Search found 272 matches

by FlyingMoose
Sat Jul 22, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Exclusion for living abroad using Foreign Earned Income Exclusion (FEIE) questions
Replies: 32
Views: 696

Re: Tax Exclusion for living abroad using Foreign Earned Income Exclusion (FEIE) questions

sfnerd wrote:If you are self employed and doing consulting in a foreign country (even with US clients), you may be eligible, if you are reporting your income and paying applicable local taxes.


I don't know of a requirement about paying local taxes, can you point point out to me where the IRS says this?
by FlyingMoose
Sat Jul 22, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Exclusion for living abroad using Foreign Earned Income Exclusion (FEIE) questions
Replies: 32
Views: 696

Re: Tax Exclusion for living abroad using Foreign Earned Income Exclusion (FEIE) questions

Only the first partial year do you need to use the physical presence test, for a full calendar year you can use the bona fide residence test. But just make sure your long visits to the US are after the first full (not calendar) year because the physical presence test still looks at it. Also I believ...
by FlyingMoose
Fri Jul 21, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Distort Market Valuations?
Replies: 83
Views: 4574

Re: Do Index Funds Distort Market Valuations?

Would this show up as tracking error with the fund underperforming the index, or would the actual index underperform the market?
by FlyingMoose
Wed Jul 19, 2017 9:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 5994

Re: Vanguard 403b Changes

Hopefully the outsourcing of the 403Bs to a new custodian will increase efficiency of transactions. I currently average about a 10 day lag between when the funds are withheld from my paycheck until they are purchased at Vanguard. The 60 bucks could be worth it if this gets processed quicker. When I...
by FlyingMoose
Sun Jul 16, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 5994

Re: Vanguard 403b Changes

I, for one, am happy about this. It will save me about twice the $60 fee by changing to Admiral shares. Vanguard charged a stealth fee by only allowing Investor shares, so I consider this to be more transparent and better reflect actual cost (since a huge account doesn't cost any more to administer...
by FlyingMoose
Sun Jul 16, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 5994

Re: Vanguard 403b Changes

I, for one, am happy about this. It will save me about twice the $60 fee by changing to Admiral shares. Vanguard charged a stealth fee by only allowing Investor shares, so I consider this to be more transparent and better reflect actual cost (since a huge account doesn't cost any more to administer ...
by FlyingMoose
Mon Mar 13, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 15444

Re: High End Wrist Watches (Gone Crazy)

I found that I like having a mechanical watch even if it's not high-end. I'm currently very happy with my Seiko SKXA35 which I got for about $225 on ebay.
by FlyingMoose
Mon Mar 13, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 34
Views: 3224

Re: Vanguard Yubikey-only option?

SMS messages aren't usually compromised by hacking into the phone network, but by someone socially engineering your carrier to steal your phone number.
by FlyingMoose
Mon Feb 06, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4356

How steep should the glide path be?

We're all familiar with the retirement glide path, but I want to look deeper into the reasoning behind it. The ultimate reason for it seems to be to reduce sequence-of-returns risk at the beginning of retirement. So then the question is, how far back from retirement should we go in order to reduce t...
by FlyingMoose
Fri Jan 06, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Global debt is 325% of GDP
Replies: 15
Views: 1392

Global debt is 325% of GDP

See the following Reuters article:

http://uk.reuters.com/article/us-global ... KKBN14O1PQ

I have heard it starts to be a problem once debt gets over 100% of GDP.

Is it possible that the whole world could have a Japan-like scenario?
by FlyingMoose
Wed Jan 04, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Sonicare ToothBrush
Replies: 35
Views: 3821

Re: Sonicare ToothBrush

I've had to replace mine every 2-3 years because of the power button issue.
by FlyingMoose
Tue Jan 03, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Downgrade to an old-style Vanguard mutual fund account?
Replies: 25
Views: 2935

Re: Downgrade to an old-style Vanguard mutual fund account?

My 403(b) and SIMPLE IRA accounts (at Vanguard) don't even have the option to convert to a brokerage account. I would, too, because they only let me use Investor class shares and the ETFs would have lower expenses.
by FlyingMoose
Tue Jan 03, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10955

Re: Max It Out Tomorrow

I wonder if it's best to put my Roth IRA contribution all into stocks, and then let the monthly contributions go into bonds, so at the end of the year, I'm about back to my target allocation. Is it best to front-load the stocks so they have the most time in the market, and let the yearly contributio...
by FlyingMoose
Mon Jan 02, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 50
Views: 8645

Re: Vanguard's new security key option

When you register for this service, your key will become your primary method of identifying yourself (along with your user name and password) when you log on to vanguard.com from a computer. It will replace security codes, a service that sends you a one-time code to enter when you log on. You'll ne...
by FlyingMoose
Mon Jan 02, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: New fee schedule at HSA bank
Replies: 53
Views: 11765

Re: New fee schedule at HSA bank

The bank I use (Optum Health Bank) just starts having a negative balance. When you put money into the account (contribution or selling investments) it comes out of that. I guess they figure you gotta put money in at some point.
by FlyingMoose
Wed Dec 28, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 9252

Re: Remember what it was like before the recession?

anonenigma wrote:
FlyingMoose wrote:Shadowstats was showing inflation much higher than even the government claimed.


You rely on conspiracy sites for economic information?


I found out about it on this very forum, so it wasn't just me...
by FlyingMoose
Mon Dec 26, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 9252

Re: Remember what it was like before the recession?

Foreign competition increased dramatically providing the first real threat to American economic dominance since WW II. The work place changed from comfortable and easy going to one where we worked out butts off in order to keep up with the competition. I'm retired now, but I understand you worker b...
by FlyingMoose
Mon Dec 26, 2016 9:53 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 9252

Re: Remember what it was like before the recession?

It seemed like no investment was cheap and inflation was running away. Huh???? The inflation rate for 2007 was just a little over 4%. I don't know what you think inflation should be, but running away, hardly! I remember that a case of paper (which I used a lot of in my business) went from $17 or so...
by FlyingMoose
Mon Dec 26, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 9252

Remember what it was like before the recession?

I've seen plenty of posts where people mention what it felt like during the 2008/2009 market crash, but I've heard very few people talk about what it felt like before that. It seemed like no investment was cheap and inflation was running away. Bonds seemed like a bad deal even at those high interest...
by FlyingMoose
Mon Dec 26, 2016 6:24 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 12843

Re: At what age, income, and NW would you buy a $50k car?

I'd pay that for a self-driving car. I'm unable to drive because of my vision, and it would be my first car.
by FlyingMoose
Thu Dec 22, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: HSA - deduct from paycheck vs contributing yourself
Replies: 22
Views: 1807

Re: HSA - deduct from paycheck vs contributing yourself

If you pay it all at once at the beginning of the year, but then don't have health insurance for the entire year (for whatever reason), you will have over-contributed.
by FlyingMoose
Mon Dec 12, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: Roth wake-up call...
Replies: 24
Views: 3925

Re: Roth wake-up call...

I wonder to what extent the precious metals funds affected performance as contrasted to the Friend's girlfriend's fund Were any of the other funds affected by the "market timing" scandals that were unearthed by Attorney General Spitzer around 2003? I guess I will recommend the O.P. read M...
by FlyingMoose
Mon Dec 12, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: Roth wake-up call...
Replies: 24
Views: 3925

Re: Roth wake-up call...

If, however, you are now eligible to deduct a traditional IRA, it might make more sense to do that instead of a Roth. I've been maxing out my 403(b) and Simple IRAs (I contribute just enough to the Simple to get the full 3% match), in addition to still maxing out the Roth. I would have started the ...
by FlyingMoose
Sun Dec 11, 2016 10:36 pm
Forum: Investing - Theory, News & General
Topic: Roth wake-up call...
Replies: 24
Views: 3925

Re: Roth wake-up call...

JW-Retired wrote:If you were listening, we told you so. :oops:


I was trying to do research back in the mid 90s, but every source of information I could find was a company trying to sell me something...
by FlyingMoose
Sun Dec 11, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: Roth wake-up call...
Replies: 24
Views: 3925

Roth wake-up call...

I've been contributing the max to my Roth since the first year they were available (I think I was 18 at the time). Originally, I had individual stocks, and various other things over the years, precious-metal funds, small-value, international, etc. I was talking with my friend, and he said that his g...
by FlyingMoose
Sat Dec 10, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 50
Views: 8645

Re: Vanguard's new security key option

Is there a link to an explanation of why Yubikey is preferable to the current 2-factor method of receiving a code? There are a few reasons: 1) It's easy to pretend to be someone else and convince the telephone company to send your SMSes somewhere else. See https://www.wired.com/2016/06/hey-stop-usi...
by FlyingMoose
Wed Dec 07, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 20422

Re: Retirement: Where $200K Will Last 30 Years

davidsorensen32 wrote:Zika, don't forget mighty Zika. A single tiny mosquito bite will destroy everything. Your $200,000 might last 30 years but you won't.


Isn't that pretty much only a problem for pregnant women?
by FlyingMoose
Sat Dec 03, 2016 8:38 am
Forum: Investing - Theory, News & General
Topic: An opinion on bond investing in today's environment
Replies: 15
Views: 1250

Re: An opinion on bond investing in today's environment

I suggest you focus on the content. Give your opinion on what this individual is says, that way you can add constructively. The Who is the expert is irrelevant and challenging his qualifications is absolutely useless. I think the point is more that even the best experts can't predict the future. Wh...
by FlyingMoose
Thu Dec 01, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard how to exchange multiple funds into multiple new funds?
Replies: 3
Views: 420

Re: Vanguard how to exchange multiple funds into multiple new funds?

You can only do one-to-many or many-to-one.

You have to do a little math and multiple transactions. It all depends on what is where. Sometimes you have to be a bit creative.
by FlyingMoose
Thu Dec 01, 2016 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5270

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

My insurance agent mentioned a person who cancelled Medicare and only kept his regular insurance. After needing some expensive medical care, it turned out that the insurance only covered the 20% that Medicare didn't, and he was responsible for the remaining 80%. Said person ended up committing suici...
by FlyingMoose
Sat Nov 26, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard's government bond index funds
Replies: 31
Views: 6417

Re: Vanguard's government bond index funds

How about psychological reasons? I'm planning to TLH my $50K emergency fund into the Treasury fund Admiral shares. Then I won't be tempted to take a bit out, lest I lose Admiral status.
by FlyingMoose
Sat Oct 08, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Don't really understand TIPS duration...
Replies: 25
Views: 2275

Re: Don't really understand TIPS duration...

To get this back on track, here's what I'm asking: If I use the short-term TIPS fund instead of the intermediate-term one, in order to protect myself from interest-rate increases, will it still protect me just as well from inflation?
by FlyingMoose
Sat Oct 08, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: Don't really understand TIPS duration...
Replies: 25
Views: 2275

Re: Don't really understand TIPS duration...

To simplify, I am going to assume you are going to purchase the TIPS at auction at par value. I am trying to decide which of the 2 Vanguard TIPS funds to buy. I don't know how they purchase the TIPS. I'm trying to find out if the longer duration one has any advantages besides a higher immediate int...
by FlyingMoose
Sat Oct 08, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Don't really understand TIPS duration...
Replies: 25
Views: 2275

Re: Don't really understand TIPS duration...

Thanks for your reply. Yes, I mean that I understand the coupon. I'm just wondering if the longer-duration TIPS have any better inflation protection, or is the only difference the yield and how it's influenced by interest rates? Like, in a situation where inflation has increased, when the bonds roll...
by FlyingMoose
Sat Oct 08, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Don't really understand TIPS duration...
Replies: 25
Views: 2275

Don't really understand TIPS duration...

So I understand bond duration and how it affects the price of the bonds when interest rates change. But, say I have either short-term TIPS (VTIPX) or intermediate-term TIPS (VIPSX). If inflation goes to (for example) 10% for 10 years, will the longer-term fund protect me better, or is the inflation ...
by FlyingMoose
Tue Oct 04, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 129
Views: 21102

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

Man I hope dumping GDX at 30 (about 24 right now) doesn't give me a big ego and turn me into a market timer.
by FlyingMoose
Wed Sep 28, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3881

Re: How closely do you check your credit card statements?

I have it set up so I get an alert on my phone whenever there's a charge on any of my cards, but otherwise I don't check the statements.
by FlyingMoose
Tue Sep 27, 2016 5:28 pm
Forum: Investing - Theory, News & General
Topic: Bonds: TTM vs SEC yield
Replies: 4
Views: 738

Re: Bonds: TTM vs SEC yield

Kevin,

Thanks for the explanation. It's very helpful.
by FlyingMoose
Tue Sep 27, 2016 8:25 am
Forum: Investing - Theory, News & General
Topic: Bonds: TTM vs SEC yield
Replies: 4
Views: 738

Bonds: TTM vs SEC yield

I currently have some money in the Vanguard Int-Term Tax Exempt muni fund. Morningstar lists a TTM yield that's about twice the SEC yield. The monthly interest payment I get is consistent with the TTM yield and doesn't change much. In searching around I've seen people say that the SEC yield is more ...
by FlyingMoose
Tue Sep 27, 2016 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Have international investments been doing bad last 5 to 10 years?
Replies: 19
Views: 1606

Re: Have international investments been doing bad last 5 to 10 years?

Another way to look at it is that International is the only thing that's cheap right now.
by FlyingMoose
Thu Sep 15, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 4290

Re: Tenant wants to leave on short notice. Can they?

That's why you charge more per-month for a month-to-month lease, to make up for your risk. (At least, all the ones I've seen work that way).
by FlyingMoose
Thu Sep 15, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 2368

Re: Will Medicare take away my Social Security?

B0bL0blawsLawBl0g wrote:I'd find it difficult to believe that you are really going to take any immediate actions based on what you think Medicare might cost in 33 years.


I am almost 100% stock in my retirement accounts because I consider Social Security to be my bond allocation. I would change my allocation.
by FlyingMoose
Thu Sep 15, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 2368

Re: Will Medicare take away my Social Security?

I don't know where you get the 8% less than your parents? Their full retirement age is 66, and mine is 67. For any given age, that means there will be one less year to delay social security. Since it increases 8% per year, I'll get 8% less. In other words, they will get 4 years of increases from 66...
by FlyingMoose
Thu Sep 15, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 2368

Will Medicare take away my Social Security?

I'm currently 37, and have been planning to wait until 70 to claim Social Security if possible. I saw an article that the Medicare premium (for new claimers) is going from $104.90 in 2015, to $121.80 in 2016, and $149 in 2017. That is over a 19% per year increase. Even being generous and only callin...
by FlyingMoose
Fri Aug 26, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Where to put cash
Replies: 11
Views: 1480

Re: Where to put cash

If the market goes down, that's great! You get to harvest some tax losses and you get to buy cheap stocks in your IRA. If this does happen, make sure you don't have a wash sale and lose your tax loss... (You have to put it in something different inside the IRA for at least 30 days. It doesn't have ...
by FlyingMoose
Mon Aug 22, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 40
Views: 3437

Re: Best/safest/easiest way to send sensitive files to another person over the internet?

Put it on a flash drive and send it Registered mail... It should cost about $25, if it's cheap you're using the wrong type of mail. They put paper tape and stamps over all the seams, and it's kept in safes and audited/signed for the whole way.
by FlyingMoose
Mon Aug 22, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Please, please advise...Health insurance terminated by insurance company
Replies: 45
Views: 4095

Re: Please, please advise...Health insurance terminated by insurance company

sss2009 wrote:The current bill still shows payments due for August and September (two months only). In reality, no money was withdrawn from my account since April.


If you go ahead and pay the current bill, they'd have a hard time saying you don't have insurance for August and September...
by FlyingMoose
Mon Aug 22, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 129
Views: 21102

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

White Coat Investor wrote:You have a loss on this fund? That wasn't what I expected when I opened this thread.


Note that I started the thread about 2 years ago.
by FlyingMoose
Fri Aug 19, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 129
Views: 21102

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

Just an update... I dumped the GDX for a total of 25% profit (based on what I initially put into VGPMX). Worse than Total Stock, but better than Total International over the same time period. Not perfect but at least I didn't sell low. I figured I should get while the gettin's good. I put the money ...

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