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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 Apr 05, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31207

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 Jan 25, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8938

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
Sat Oct 26, 2013 10:13 am
 
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 10749

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 7:36 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8474

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 7:07 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8474

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
Thu Oct 10, 2013 6:57 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8474

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 10:04 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8474

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
Wed Oct 09, 2013 10:02 am
 
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 3378

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 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 5584

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
Mon Sep 30, 2013 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: New to HSA, is it a good fit?
Replies: 24
Views: 2057

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
Thu Sep 12, 2013 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirees - did you pay off your house?
Replies: 27
Views: 2278

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
Sun Sep 08, 2013 12:18 am
 
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 7120

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 Sep 07, 2013 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 7120

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 09, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20377

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
Sat Feb 02, 2013 7:34 am
 
Forum: Personal Consumer Issues
Topic: I Wrecked The Rental Car
Replies: 28
Views: 5067

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
Fri Feb 01, 2013 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Expats: E-Filing of Tax Returns with Foreign Address?
Replies: 33
Views: 3614

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 19, 2013 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Percent Of Net Worth In The Market?
Replies: 24
Views: 1670

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
Sat Jan 05, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution Question
Replies: 4
Views: 592

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
Fri Jan 04, 2013 2:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution Question
Replies: 4
Views: 592

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
Tue Dec 18, 2012 10:15 am
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21180

Re: Average Age of Bogleheads Posters

I am 55 years and should be 56 in couple of months,
by ragabnh
Sat Oct 13, 2012 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Average Age of Bogleheads Posters
Replies: 77
Views: 6453

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 Oct 13, 2012 10:56 am
 
Forum: Investing - Theory, News & General
Topic: What is the return on stock vs real estate investing?
Replies: 64
Views: 3958

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 Sep 29, 2012 10:51 am
 
Forum: Investing - Theory, News & General
Topic: list your fixed income
Replies: 97
Views: 6515

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 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today - Thanks!
Replies: 37
Views: 4518

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
Sat Aug 25, 2012 10:30 am
 
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 10442

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
Tue Aug 21, 2012 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age did you start investing?
Replies: 87
Views: 8757

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
Sat Aug 18, 2012 6:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Relocated out of country, what to do w/ home?
Replies: 9
Views: 4605

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 11:41 am
 
Forum: Investing - Theory, News & General
Topic: how often do you check your portfolio?
Replies: 94
Views: 7341

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
Fri Aug 17, 2012 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for kids education
Replies: 26
Views: 2834

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 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you include cash in your asset allocation?
Replies: 50
Views: 3974

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
Sun Aug 05, 2012 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you include cash in your asset allocation?
Replies: 50
Views: 3974

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 26, 2012 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: House is paid off!!!
Replies: 48
Views: 4066

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 May 19, 2012 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying into a restaurant group; later in life
Replies: 30
Views: 2156

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
Sat Apr 28, 2012 4:35 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 124
Views: 8690

Tax rate 25%.
by ragabnh
Fri Apr 29, 2011 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash money to invest
Replies: 5
Views: 772

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 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash money to invest
Replies: 5
Views: 772

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
Fri Apr 29, 2011 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash money to invest
Replies: 5
Views: 772

90% 53 200,000
by ragabnh
Sat Mar 26, 2011 6:58 am
 
Forum: Personal Finance (Not Investing)
Topic: What % equity in your home have you reached at age X
Replies: 90
Views: 8170

Try Johnston and Murphy, I find them very comfortable, certainly better than Rockports which I used to wear previously.
by ragabnh
Mon Feb 07, 2011 3:29 am
 
Forum: Personal Consumer Issues
Topic: Looking For A Pair Of New Casual Comfort Shoes
Replies: 39
Views: 5185

If you just want the cash safe, why don't you ladder a few 7 year cds at penfed credit union which is paying 3.49%. The penalty is 1 year of interest if broken early, but even with the penalty if you hold for three years, you still get a better interest rate safely than anywhere else. Actually I pr...
by ragabnh
Sun Nov 28, 2010 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

Re: Tax advantaged bonds

Laura, Can I buy ETF's that cover the same bond funds that you mentioned above, if yes can you give the name of these equivalent ETF's. Sometimes I cannot buy Vanguard Mutual funds with my brokere (as it is not available). Thanks for all your advice, I really appreciate your time and patience with me.
by ragabnh
Sun Nov 28, 2010 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

Re: I bonds

I bonds are limited to $5k electronic and $5k paper per person per year so this won't work well for your investing. TIPS are best held in tax advantaged accounts. The rent can pay off the mortgage but if you are planning to invest the money over time I am not sure why you don't just take the money ...
by ragabnh
Sun Nov 28, 2010 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

How about letting the rent funds pay off the mortgage? Consider averaging into the market over time rather than all at once. Mr. Bogle recomends your age in bonds as a good starting point. This is your most important decision. Yes, my plan is to let the rent pay off the mortgage, I will consider th...
by ragabnh
Sun Nov 28, 2010 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

You're probably getting the sense from the way this has drifted off topic that your 4% interest rate is pretty damned hard to beat here in the US. To get a rate approaching that you'll have to lock your money up for 7-10 years. Of course, you have some exchange-rate risk - if US interest rates ever...
by ragabnh
Sun Nov 28, 2010 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

Please tell me where I can get 4% on a (US $) savings account. I wouldn't need to invest anywhere else! The rate is for an overseas bank and is not applicable to the US, and it is in local currency around here. Can you open an account even if you were not a resident? I know you can in Western Europ...
by ragabnh
Sat Nov 27, 2010 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

Please tell me where I can get 4% on a (US $) savings account. I wouldn't need to invest anywhere else! The rate is for an overseas bank and is not applicable to the US, and it is in local currency around here. Can you open an account even if you were not a resident? I know you can in Western Europ...
by ragabnh
Sat Nov 27, 2010 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

Please tell me where I can get 4% on a (US $) savings account. I wouldn't need to invest anywhere else! The rate is for an overseas bank and is not applicable to the US, and it is in local currency around here. Can you open an account even if you were not a resident? I know you can in Western Europ...
by ragabnh
Sat Nov 27, 2010 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

Please tell me where I can get 4% on a (US $) savings account. I wouldn't need to invest anywhere else! The rate is for an overseas bank and is not applicable to the US, and it is in local currency around here. Can you open an account even if you were not a resident? I know you can in Western Europ...
by ragabnh
Sat Nov 27, 2010 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

dmcmahon wrote:Please tell me where I can get 4% on a (US $) savings account. I wouldn't need to invest anywhere else!


The rate is for an overseas bank and is not applicable to the US, and it is in local currency around here.
by ragabnh
Sat Nov 27, 2010 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388

"Saving account earning 4%" Thats a pretty good deal. Are you sure this is a saving account? Anyhting earning more than 2% currently has to be lot more risky than saving account. Faltuk1, Correct it is a saving account earning 4% compounded quarterly, it is in the local currency around he...
by ragabnh
Sat Nov 27, 2010 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3388
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