Search found 182 matches

by JD
Sat Jul 30, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Good investment??? Microsoft Corp Sr Nt 4% 2055 - AAA rated - 3.848% YTC -
Replies: 7
Views: 924

Re: Microsoft Corp Sr Nt 4% 2055 - AAA rated - 3.848% YTC -

Good luck with that.. I did the same (not Microsoft Corp) around 2006 or so.
Well, long story short, I received 20 or 25 cents on the dollar 4-5 years later.
That company was rated very highly by the gurus. Now, I am ok with bond funds regardless of the yield.
by JD
Sun Jul 24, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 15960

Re: Early retirees, how much did you leave on the table?

coachz wrote:I prefer the question......How much extra life will I get by retiring early.


Exactly!
by JD
Wed Jul 20, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2694

Re: Crazy to hold (BNDX) International Bonds?

galeno wrote:It is crazy and stupid.
Agree with the first word only :wink:
by JD
Wed Jul 13, 2016 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 147
Views: 20638

Re: $13 Million Goal for Early Retirement (am I crazy?)

MaxSave wrote:Questions:



Based on this...am I crazy You're not crazy yet :sharebeer Welcome to this board anyway!
MaxSave :sharebeer
by JD
Mon Jul 11, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Today's the day, I finally bought bonds
Replies: 13
Views: 1137

Re: Today's the day, I finally bought bonds

dreamjob9 wrote:Thoughts?? Critique?? Advice??


Based on the given information, I think that you are doing great. You may want to increase your bond % but that based on the little info provided :)
by JD
Wed Jul 06, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: International Bond Fund: yes or no
Replies: 33
Views: 2162

Re: International Bond Fund: yes or no

Uncle Pennybags wrote:International bonds are more expensive to own. IMHO US residents don't need any direct foreign investment; total US stock funds have enough foreign exposure.

+1

This is my opinion as well..
by JD
Fri Jul 01, 2016 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 7153

Re: Getting rid of international funds

So I guess I have two questions: ⋅ Has anyone else gotten rid of their international funds? Yes, we used to have at least 3 International funds for years, sold 2 of them and kept "FTSE, all world index except US? Then sold it a few years ago. For me it was one of the best that I did....
by JD
Fri Jun 24, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing...would appreciate your help
Replies: 11
Views: 765

Re: New to Investing...would appreciate your help

1.SS EQUITY 500 IDX K (SSSYX) 70% (You got almost all stocks and low ER) If you need international then adjust the above to looks like this: 45% 500 IDX and 25% International stock fund 2. SS AGGR BOND IDX K (SSFEX) 30% (low ER and I believe it is very similar to Vanguard Total Bond Fund) So what i...
by JD
Thu Jun 23, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing...would appreciate your help
Replies: 11
Views: 765

Re: New to Investing...would appreciate your help

Portfolio size: High 5 figures Have you considered the following: 1.SS EQUITY 500 IDX K (SSSYX) 70% (You got almost all stocks and low ER) If you need international then adjust the above to looks like this: 45% 500 INS and 25% International stock fund 2. SS AGGR BOND IDX K (SSFEX) 30% (low ER and I...
by JD
Sun Jun 05, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Portfolio Guidance - Asset allocation with an Ex-pat twist
Replies: 5
Views: 626

Re: Portfolio Guidance [US ex-pat in United Arab Emirates]

Thank you in advance for taking a look at my portfolio and giving me any feedback/advice. I love Bogleheads, have been an active reader for a few years, but this is my first time I've gained the courage to post my personal situation. I am a US citizen and am a teacher living in the UAE. I have a fo...
by JD
Sat Apr 02, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Very New to This - New Roth IRA
Replies: 10
Views: 1051

Re: Very New to This - New Roth IRA

trumpetS3 wrote: Would I also need to wait until 2017 contribution to add another $5,500, still not leaving me enough to buy an admiral fund?


Yes, you have to wait! Contributions for 2017 have to be started any time in 2017; up to April 15,2018.
by JD
Thu Mar 17, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Payments & solo 401k
Replies: 0
Views: 245

Guaranteed Payments & solo 401k

If I am a partner in general partnership that files 1065 and issues K-1 to its partners. Am I allowed to use the "Guaranteed payments" to fund my 401k (solo) as an employee & employer?

Thank you,
by JD
Fri Feb 05, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 85
Views: 8810

Re: I Lost My FInancial Brain - Please Help

Please, please be careful. He is selling you hard, on what I'm not sure yet. Just whatever you do, please don't sign or commit to anything at the next meeting. Go in planning to make NO decisions and make NO commitments ....................... When was the last time someone offered to meet with you...
by JD
Sat Jan 23, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 6568

Re: Going from 50/50 US/Int to All US

Hi everybody. As you can tell I am seriously thinking of changing my asset allocation from half international to 0 international. I am reading more and more people whose opinions I respect say that int is unnecessary. Would love to read your collective thoughts on this. I am mid 30s, single, about ...
by JD
Tue Oct 13, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard Flagship Services
Replies: 10
Views: 1932

Re: Question about Vanguard Flagship Services

I recently gained access to Vanguard Flagship Services even though I do not meet the minimum $1MM investment amount. I assume that I should take advantage of this as best I can. Does anyone know of any specific funds that are not open to every investor that I should be taking a look at? Any informa...
by JD
Mon Sep 14, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Wealth Management vs. do it yourself
Replies: 34
Views: 4667

Re: Wealth Management vs. do it yourself

Toons wrote:Intermediate Tax Exempt

This is a good fund;however, you have to be careful as it will be taxed by some States and the taxes may be north of 6%.
by JD
Sun Jul 26, 2015 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 984

Re: Hourly W2 - Any Retirement Options?

tIRA regardless of income! unless your spouse is covered by an approved plan.
http://www.irs.gov/Retirement-Plans/201 ... an-at-Work
by JD
Sat Jun 27, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 5948

Re: are these legit Vanguard reviews?

I find some of those "reviews" amusing, especially the fellow "Bruce" who asked what amount he would receive as a result of selling shares in a mutual fund. Well, anyone who knows anything about buying/selling a mutual fund would know that you get the end of day price, so if you...
by JD
Fri Feb 20, 2015 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Why don't I see more people arguing for a world portfolio?
Replies: 41
Views: 3864

Re: Why don't I see more people arguing for a world portfoli

When I see a lot of people list their portfolios I notice that a lot of it is US-heavy. However US does not make up the most market capitalization from a worldwide perspective. So why is this the case? Two reasons: 1. Most live in the US 2. International stocks move linearly with US stock market, i...
by JD
Sat Feb 14, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: [US Expat Investing] Portfolio Allocation
Replies: 9
Views: 979

Re: [US Expat Investing] Portfolio Allocation

Thanks for the reply. Additional clarity: My broker is Schwab. I live in the UAE. My tax situation is relatively simple in the sense that I live in a country without taxes and I pay my own rent. I exclude part of my income and housing costs (thus, I don't only use the FEIE). After my exclusions, I ...
by JD
Fri Feb 13, 2015 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: EXPAT investing
Replies: 7
Views: 1128

Re: EXPAT investing

Is there anyway an expat can invest in a ROTH IRA? My research indicates "no". I have been maxing out a Roth IRA for 8 years but moved overseas last year. Turns my stomach not continuing to invest in a Roth. You may be able to contribute to a ROTH IRA as long as you have an earned income,...
by JD
Fri Feb 06, 2015 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1894

Re: Free TaxAct software

TaxAct is a fine software; but I don't understand why you want to get it through Amazon. You will probably do better just doing your taxes online:
http://www.taxact.com
by JD
Tue Dec 23, 2014 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Alerian MLP ETF (AMLP)
Replies: 2
Views: 1149

Re: Alerian MLP ETF (AMLP)

pshonore wrote:Here's the explanation:

viewtopic.php?f=1&t=151971

I missed that & it's only 3 weeks old!
Thank you for pointing that out, pshonore :happy
by JD
Tue Dec 23, 2014 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Alerian MLP ETF (AMLP)
Replies: 2
Views: 1149

Alerian MLP ETF (AMLP)

I bought Alerian MLP ETF, AMLP, a while back (about 2 years ago). Its expense ratio at that time was believed to be 0.85%, however, checking it nowadays, it is 8.56%? I checked it thru TD Ameritrade & Morningstar. Is there something wrong or it is the actual ER? Thank you and Happy Holidays to a...
by JD
Sat Oct 11, 2014 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS or VIPSX and why?
Replies: 9
Views: 2056

Re: TIPS or VIPSX and why?

BeaverFood wrote:We plan to add I Bonds and a state muni bond fund (ER .73%) over the coming year and those will be held outside our tax advantaged space.

That ER of 0.73% is too high for any state muni, imo.
by JD
Fri Sep 26, 2014 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed-Fee Advisor in Texas
Replies: 14
Views: 1938

Re: Fixed-Fee Advisor in Texas

The link below is probably a good start; you can search by Zip Code, Address, or last name.
Good Luck,
http://www.napfa.org
by JD
Wed Sep 10, 2014 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 2414

Re: Low Income Investor (Tax Concerns)

I have saved up about $20,000 in my bank account over a long period of time. I am currently a graduate student and work two part-time jobs. My annual income is about $8-10,000 per year, and I get a tax refund every year as a result. I am wanting to take $10,000 out of my bank account and invest in ...
by JD
Wed Sep 10, 2014 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1468

Re: Help w/ the Mechanics of Solo 401k Contributions?

Regardless of the retirement plan, you must meet the anti-discrimination rules. So no, you can not give yourself the opportunity of a benefit and not your employee(s). Understood. The issue now is if your employee(s) decided not to contribute any thing then you won't be able to contribute as well. ...
by JD
Wed Sep 10, 2014 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1468

Re: Help w/ the Mechanics of Solo 401k Contributions?

Regardless of the retirement plan, you must meet the anti-discrimination rules. So no, you can not give yourself the opportunity of a benefit and not your employee(s). Understood. The issue now is if your employee(s) decided not to contribute any thing then you won't be able to contribute as well. ...
by JD
Tue Sep 09, 2014 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Needing help with a Vanguard 401k
Replies: 23
Views: 2079

Re: Needing help with a Vanguard 401k

I just saw the post from FreemanB above , it looks like he is describing what the V.G. rep said. But I guess I don't understand how when the account was moved fro Schwab, they were not any problems, and the entire amount was moved with no restrictions The plan's administrator can make the move to a...
by JD
Tue Sep 09, 2014 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1468

Re: Help w/ the Mechanics of Solo 401k Contributions?

I stand corrected, and I apologize for that. Thank you, SR. What I described was the solo 401k mechanics of an S-Corp, not LLC. I cannot believe I missed such an important fact! I apologize to OP as well. Does any one know how it works if you hire an employee? Do you have to provide the same benefi...
by JD
Wed Aug 27, 2014 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock
Replies: 7
Views: 1527

Re: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock

I own them both. Prime in tax deferred. I've considered exchanging it for Total Stock, but why? I bought Prime in the original offering and it has performed well. Yes, it has performed well & that's why I am still hesitant to exchange/sell but we have almost no tax deferred account (only around...
by JD
Tue Aug 26, 2014 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock
Replies: 7
Views: 1527

Re: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock

What was your original motivation for purchasing these? Is that goal/motivation still true/valid? Yes, I like both of them. But in the State where I reside, there is a taxation on Div/Capital gain distributions and this what made me to think of whether keeping this fund or exchange into the Index.
by JD
Tue Aug 26, 2014 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Primecap Core (VPCCX)&Vanguard Total Stock
Replies: 7
Views: 1527

Vanguard Primecap Core (VPCCX)&Vanguard Total Stock

Appreciate any opinion/comments/suggestion; We owe both Vanguard Primcap Core Fund (VPCCX) and Vanguard Total Stock Market Index Fund (VTSAX) for a few years now, however, I am beginning to question the decision that made me buy this fund in the first place? This fund has been performing well over t...
by JD
Sun Apr 27, 2014 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: It's complicated. Portfolio/tax [US, Canada, Switzerland]
Replies: 10
Views: 2745

Re: It's complicated. Portfolio/tax [US, Canada, Switzerland

3. I read the Boglehead wiki on Permanent Residence and giving up the residency. The wiki states it has to be officially done with the form; other sites state that it is not necessary as long as you have not lived in the US for the last 365 days (we’ve been in Switzerland since middle of 2012). We ...
by JD
Thu Apr 24, 2014 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Tax Advantage Accounts for Self Employed
Replies: 22
Views: 4839

Re: Help: Tax Advantage Accounts for Self Employed

For 2014 you can establish a SEP, SIMPLE or 401k plan for your Net earnings. See IRS pub 560 for explanation of different types of plans. 401k plan must be established by Dec 31, 2014. 401k plan permits larger contributions but is more complicated than a SEP because it has complex IRS compliance/pa...
by JD
Thu Apr 24, 2014 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Tax Advantage Accounts for Self Employed
Replies: 22
Views: 4839

Re: Help: Tax Advantage Accounts for Self Employed

thethinker wrote:Thanks pshonore

Is there a wiki link you can share with all these on the same page? Or must I go one by one(if so I can do that on my own)?
401(k) [link fixed by admin LadyGeek]
by JD
Tue Mar 18, 2014 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Trouble transferring outside account to Vanguard
Replies: 8
Views: 807

Re: Trouble transferring outside account to Vanguard

I submitted paperwork to transfer Roth IRA assets from Fidelity to Vanguard 3/4/2014. It took 10 days for Vanguard to acknowledge receipt of paperwork. They have not as yet requested the asset transfer from Fidelity. Is there an easier way to do this? Is Vanguard's customer service usually so poor?...
by JD
Thu Mar 13, 2014 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 3344

Re: Old, large account - move it to index and take big tax h

island wrote:If planning to sell the entire account and there are shares that were purchased for more than what they can be sold for now, should those shares be tax harvesting and sold first or doesn't matter if selling the whole account?

Thank you.

If selling the whole account then it doesn't matter!
by JD
Thu Feb 13, 2014 8:06 am
Forum: Investing - Help with Personal Investments
Topic: FATCA for VWO and foreign funds?
Replies: 4
Views: 641

Re: FATCA for VWO and foreign funds?

Biil McNeal wrote:I thought it was only for offshore accounts not assets held in a US bank or brokerage.

It is only for offshore accounts not assets held in the US.
by JD
Mon Feb 10, 2014 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: International Account => securities & taxes
Replies: 11
Views: 829

Re: International Account => securities & taxes

Your account is less than $50,000, that is understood. Let's put aside FATCA & FBAR rules and just assume that you only have $2000 in that particular bank and will assume also that you received $100 during the tax year as an interest. That amount has to be included in schedule B as a taxable inc...
by JD
Wed Jan 15, 2014 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard quality of service
Replies: 63
Views: 5028

Re: vangurd quality of service

I have been with Fidelity for long time: they are expensive but their service is excellent. I am pretty convincing with vanguard funds, but Vanguard Service, not impress: Here is what happened today. I called first time to ask question related to opening an account. Can you guess what the wait time...
by JD
Sat Sep 07, 2013 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with margin increase
Replies: 6
Views: 721

Re: Help with margin increase

Wade_pt wrote:Thank you for your replies.

I'm not a US resident, that's right. I think I got the margin concept. However, if my account is cash (no margin) this doesn't affect me right?


Correct.
by JD
Sun Aug 25, 2013 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: 1st Time Investor--Fidelity or Vanguard?
Replies: 60
Views: 7526

Re: 1st Time Investor--Fidelity or Vanguard?

Did not know Vanguard was designated a non-profit organization. Neither do I. When folks here say "Vanguard is owned by we, the investor", how does that work? are we supposed to get..whatever.. I am sure many here are exactly know what are they talking about and would like, if they have t...
by JD
Fri Aug 16, 2013 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: First time investor in Vanguard – Need help!
Replies: 12
Views: 675

Re: First time investor in Vanguard – Need help!

I think those people who can help you the most here, want to know more info, using the format suggested above. As for IRA you probably can open one for you ($5000) and another for your husband ($5000), $6000 if he is over 50 years. You mentioned that you work overseas; do you exclude your earned in...
by JD
Fri Aug 16, 2013 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: First time investor in Vanguard – Need help!
Replies: 12
Views: 675

Re: First time investor in Vanguard – Need help!

I think those people who can help you the most here, want to know more info, using the format suggested above. As for IRA you probably can open one for you ($5000) and another for your husband ($5000), $6000 if he is over 50 years. You mentioned that you work overseas; do you exclude your earned inc...
by JD
Tue Aug 13, 2013 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed regarding changing Vanguard Flagship rep
Replies: 21
Views: 1942

Re: Advice needed regarding changing Vanguard Flagship rep

We started moving some of our assets to Vanguard around 2008 and last year we did qualify to the “Flagship” status. I contacted Vanguard rep to inquire about something that was not related to flagship status but during the conversation, I mentioned that we do qualify for that status and the rep said...
by JD
Fri Aug 09, 2013 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Reviews?
Replies: 31
Views: 14361

Re: TD Ameritrade Reviews?

With all the various brokers, there is always something that annoys you. None of them are saints. And different people are annoyed by different things. For example, just in this thread the annoyance factor for getting cold-called by the local TDAmeritrade rep (and even whether they try to contract ...
by JD
Fri Aug 09, 2013 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Reviews?
Replies: 31
Views: 14361

Re: TD Ameritrade Reviews?

I have used TD Ameritrade for years, actually we opened our account with Waterhouse sometimes in the 90's. There is no major problem that we encounter that I am aware of. I advise not to bother going to the local branch but do most of your business with them (or with others for that matter) on line,...

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