Search found 71 matches

by canga
Tue Sep 13, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Investments while living overseas
Replies: 10
Views: 878

Re: Vanguard Investments while living overseas

I've lived overseas for a decade and not had any problems with Vanguard. Using parent's address and pay $9.99 for a USA phone number via MagicJack. I've noticed that MagicJack cannot receive text messages from Vanguard, but receives the automatic phone calls just fine.
by canga
Tue Sep 06, 2016 6:20 am
Forum: Personal Consumer Issues
Topic: Heart rate monitor options
Replies: 15
Views: 1144

Heart rate monitor options

Bogleheads seem to be quite fit on average so I wanted to poll for opinions. I'm looking into buying a heart rate monitor but I am a bit overwhelmed with options. The following features would be nice: 1. Primary purpose is to measure heart rate during rowing or erging, and weightlifting. Most heart ...
by canga
Thu Sep 01, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 93
Views: 6147

Re: Resigning from a job: best practices and advice?

1 - depends on a few things, but 3-4 weeks would be courteous. But be firm too and ensure your new employer is ok with your start date too 2 - be honest, if you are leaving for more $ and better opportunities stay so, you aren't the first who left for those reasons But be careful because you might ...
by canga
Wed Aug 24, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 3761

Re: Favorite Asian Vacation?

tedclu wrote:Hong Kong
Tokyo
South Korea - dmz
Thailand- Chiang Mai


I will second a trip to Chiang Mai. No beaches, but my favorite city in Thailand. Stay in or on the border of the old city. The North-west corner has more new and hip areas. A lot nicer (and even cheaper) than the rest of Thailand.
by canga
Wed Aug 24, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 3761

Re: Favorite Asian Vacation?

My wife and I both speak/read Chinese (Mandarin). Taiwan uses Traditional characters which is a bit confusing, but speaking is fine -- I think the Taiwanese accent is the clearest form of Chinese. Have you been to Taiwan on vacation? Japan is amazing (!!!) but I've taken the wife there 3 times and ...
by canga
Mon Aug 15, 2016 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Take Investments Out to Buy a House?
Replies: 4
Views: 564

Re: Take Investments Out to Buy a House?

First, thank you for your service. If possible you would probably save money in the long run if you apply for a conventional mortgage rather than the VA loan. If you can put down enough money to get a conventional mortgage, then that would be recommended. I assume you're looking for a house because ...
by canga
Thu Aug 11, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Florida for Christmas
Replies: 3
Views: 416

Florida for Christmas

Wife and I are flying in from overseas to visit family in south Florida around Christmas time. We're looking at a 1 week getaway, probably by ourselves, to do some travel. We're adventurous, and like hiking, scuba diving, beaches, nature, food and different cultures. We're looking at a trip to Miami...
by canga
Fri Jun 10, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: 401k(s) are not the best way to save for retirement?
Replies: 57
Views: 6812

Re: 401k(s) are not the best way to save for retirement?

Just had a rather morbid thought. It appears that none of these articles address the life phases that can be expected for a household with a sole breadwinner, or a household where one spouse earns significantly more than the other, which is probably the case for many people on this forum. I fully un...
by canga
Sat Jun 04, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: What do I do now? Maxing out
Replies: 13
Views: 2043

Re: What do I do now? Maxing out

Canga, Thank you, and everyone else who has responded, for your great input. I sincerely appreciate the time everyone has put in to get me on a better track. Let me see if I can answer some questions and summarize what I think a path forward will be. Cars: The cars are overseas with us. The values ...
by canga
Sat Jun 04, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: What do I do now? Maxing out
Replies: 13
Views: 2043

Re: What do I do now? Maxing out

Don't forget that you will be taxed on your marginal rate. Look at the foreign earned income tax worksheet to understand how it works. Here's a simple example. Foreign income: 175k Other income (dividends, interest, conversions): 25k Gross total income: 200k Standard deduction and exemptions: 30k* ...
by canga
Sat Jun 04, 2016 5:54 am
Forum: Investing - Help with Personal Investments
Topic: What do I do now? Maxing out
Replies: 13
Views: 2043

Re: What do I do now? Maxing out

One comment regarding your asset allocation. It appears that you have stocks and bonds in all accounts. The general opinion here is to look at your entire portfolio holistically, and there is some guidance in the Bogleheads Wiki. In general, you want to establish an asset allocation and then apply i...
by canga
Sat Jun 04, 2016 5:41 am
Forum: Investing - Help with Personal Investments
Topic: What do I do now? Maxing out
Replies: 13
Views: 2043

Re: What do I do now? Maxing out

Fellow expat here, living overseas for almost a decade. I'd like to help, but there are quite a few questions about your situation. I'm also no financial advisor, so get some professional help. Expat taxes are extremely complicated and confusing. Your car situation is confusing. Do you own cars over...
by canga
Wed Apr 06, 2016 12:45 am
Forum: Investing - Help with Personal Investments
Topic: New bond contributions to I Bonds, Stable Value, and CDs?
Replies: 10
Views: 1259

Re: New bond contributions to I Bonds, Stable Value, and CDs?

I'm an expat, so no state tax currently. Not sure which state I'll return to, if ever. Enough support for I bonds confirms I'll start contributing to these again. I had not thought of EE bonds so I may give that some research. Any thoughts on Stable Value? What about state income tax? I-bonds are ex...
by canga
Mon Apr 04, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: New bond contributions to I Bonds, Stable Value, and CDs?
Replies: 10
Views: 1259

New bond contributions to I Bonds, Stable Value, and CDs?

Hi All, I'm certainly not one to time the bond market, but I can't help but notice that yields are falling. We're in 28% tax bracket. I'm not going to change any existing investments but I'm considering redirecting future contributions. I don't have enough space in my 401k for all of my bond funds, ...
by canga
Mon Apr 04, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage account for NRA spouse
Replies: 5
Views: 747

Re: Brokerage account for NRA spouse

I'll probably end up writing a check and using the camera option on the phone to deposit. Unfortunately it looks like Fidelity closed the account, so we'll have to call them and figure out what they need.
by canga
Mon Mar 28, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage account for NRA spouse
Replies: 5
Views: 747

Re: Brokerage account for NRA spouse

Thanks! We were able to open the account at Fidelity.

How did you fund the account? It says to make a transfer from a checking account she needs to be the account owner. Unfortunately I can't seem to add her to my CapitalOne360 account.
by canga
Sun Mar 27, 2016 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage account for NRA spouse
Replies: 5
Views: 747

Brokerage account for NRA spouse

My tax accountant has said that I can contribute to a spousal Roth IRA for my non-resident alien spouse, because she is treated as a resident when we file MFJ). She has an ITIN for tax filing. However, after filling out paperwork for both Vanguard and Schwab, both brokerages have refused to open acc...
by canga
Sun Mar 13, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Living abroad, sold former US home at loss
Replies: 10
Views: 1282

Re: Living abroad, sold former US home at loss

In your situation you may be able to do "tax gain harvesting" (I made that term up but have done this while an expat). In other words, you can sell appreciated stocks at a gain, I bonds, etc, and still not owe any taxes. Um, I don't think that "tax gain harvesting" works if you ...
by canga
Tue Mar 08, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Living abroad, sold former US home at loss
Replies: 10
Views: 1282

Re: Living abroad, sold former US home at loss

Interesting question. Expats (or anyone for that matter) can only contribute to a Roth IRA if you have earned income. Because you state that you are excluding your earned income, then you cannot contribute to a Roth IRA. In your situation you may be able to do "tax gain harvesting" (I made...
by canga
Sat Feb 13, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: When do I start taxable account?
Replies: 34
Views: 2752

Re: When do I start taxable account?

For now, just put stock index fund(s) in your taxable account, no bonds. Enable Specific Lot ID and disable auto-reinvest of dividends. Interesting thread. Could you please tell me why you recommend disabling auto-reinvest? TIA This will make tax loss harvesting (TLH) easier in the future. Search a...
by canga
Wed Jan 27, 2016 7:41 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Selling of Long-Term Positions
Replies: 9
Views: 499

Re: TLH: Selling of Long-Term Positions

I should clarify I prefer not to sell anything with a gain unless I can help it. Usually bonds rise when stocks fall, so by shifting bonds to equities I'm forced to sell at a gain. If I can't sell at a loss then I sort my tax lots by "Gain/Loss per Share" and choose lots with the lowest ga...
by canga
Wed Jan 27, 2016 6:30 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Selling of Long-Term Positions
Replies: 9
Views: 499

Re: TLH: Selling of Long-Term Positions

Usually TLH implies selling at a loss, so it would not matter whether you are selling long or short term losses.

I do avoid selling long term gains in order to rebalance when I have sold shares at a loss.
by canga
Sun Nov 01, 2015 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about European stocks
Replies: 14
Views: 2641

Re: Concerned about European stocks

I do recall Rick Ferri had written an article that he was planning to increase his international allocation due to favorable valuations. Anyone know if he's gone through with it?

I bought more VEUSX on Friday, and I haven't watched a news show yet this year :sharebeer
by canga
Mon Sep 14, 2015 8:48 am
Forum: Investing - Help with Personal Investments
Topic: ETF conversion trigger a wash sale?
Replies: 1
Views: 229

ETF conversion trigger a wash sale?

I plan to TLH my shares of VEMAX on September 21 (31 days after my last purchase). I plan to TLH into EEM. However, I'm not aware of a way to trade VEMAX directly into EEM, so I assume I will need to convert VEMAX to VMO first. Will converting VEMAX to VWO on September 21, and then trading same day ...
by canga
Sun Aug 23, 2015 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Expat purchasing Rental Car Insurance / Umbrella Policy (?)
Replies: 4
Views: 577

Re: Expat purchasing Rental Car Insurance / Umbrella Policy (?)

Good responses so far, thanks. I still have a valid US driver's license and I can get CDW coverage through my credit card. Any thoughts on an umbrella insurance policy and where to get one? One concern I have is that the umbrella insurance policy would only be active in the USA, and I only spend up ...
by canga
Sat Aug 22, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Expat purchasing Rental Car Insurance / Umbrella Policy (?)
Replies: 4
Views: 577

Expat purchasing Rental Car Insurance / Umbrella Policy (?)

I'm an expat and will be renting a car in the USA in a few weeks at JFK for a personal trip. I am over 25 years old. Because of my country of residence I do not have any insurance, and trying to understand the different insurance types has been very confusing. My understanding is that there are 4 ba...
by canga
Tue Jan 06, 2015 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TLH - Check your confirmations!
Replies: 12
Views: 1552

Re: Vanguard TLH - Check your confirmations!

From my liquidation experience a few months ago that defaulted back to FIFO, it looks like SpecID takes several days to process after you select it, and if you sell before that happens, the basis defaults to FIFO. I don't know if that's what happened to everybody on this thread, but some people see...
by canga
Tue Jan 06, 2015 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TLH - Check your confirmations!
Replies: 12
Views: 1552

Re: Vanguard TLH - Check your confirmations!

Are there issues with covered vs not covered shares involved? All shares for each fund I selected to sell were covered shares, however due to Vanguard incorrectly selecting FIFO the shares Vanguard selected to sell were not covered. Which method did you select for the mutual fund shares you sold be...
by canga
Mon Jan 05, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TLH - Check your confirmations!
Replies: 12
Views: 1552

Re: Vanguard TLH - Check your confirmations!

dbr wrote:Are there issues with covered vs not covered shares involved?


All shares for each fund I selected to sell were covered shares, however due to Vanguard incorrectly selecting FIFO the shares Vanguard selected to sell were not covered.
by canga
Mon Jan 05, 2015 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TLH - Check your confirmations!
Replies: 12
Views: 1552

Re: Vanguard TLH - Check your confirmations!

Update: Vanguard reportedly fixed the issue and it will take 7 to 10 days for the specific tax lots to report correctly. I asked if this was a known issue and I was told that it's the first they have heard of it.

I did TLH earlier in 2014 and the SpecID was sold correctly.
by canga
Mon Jan 05, 2015 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TLH - Check your confirmations!
Replies: 12
Views: 1552

Vanguard TLH - Check your confirmations!

I TLH'd at the end of 2014. All of my funds were set up at SpecID cost basis, so I selected the tax lots I wanted to sell. A week later I noticed that the tax lots I identified were not sold...and Vanguard's transaction confirmations claimed i had used first in first out (FIFO)! Fortunately when I m...
by canga
Mon Jan 05, 2015 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Mechanics of Gifting Vanguard Shares to NRA Spouse
Replies: 9
Views: 1753

Re: Mechanics of Gifting Vanguard Shares to NRA Spouse

Have you run all of the by your CPA? It seems if you are trying to save a significant amount of taxes, that would be the best person to research and advise you rather than folks who don't really know your situation thoroughly. The CPA can also work with you in case you are audited as well as advise...
by canga
Fri Jan 02, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of Gifting Vanguard Shares to NRA Spouse
Replies: 9
Views: 1753

Re: Mechanics of Gifting Vanguard Shares to NRA Spouse

I can't comment on the specifics of gifting shares, but I would like to point out that you have the option of treating your spouse as a resident alien for tax purposes. See here: http://www.irs.gov/Individuals/International-Taxpayers/U.S.-Citizens-and-Resident-Aliens-Abroad---Nonresident-Alien-Spou...
by canga
Fri Jan 02, 2015 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Alternatives for VEUSX & VFSVX
Replies: 7
Views: 1092

Re: TLH Alternatives for VEUSX & VFSVX

Thanks. It looks like both funds have a frequent trading policy, and need 60 days to reinvest. I chose to TLH into TISM so I won't be out of the market for that long. You can get around the frequent-trading policy if you buy the fund back by mail, or if you buy the ETF class (which you might want t...
by canga
Thu Jan 01, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Mechanics of Gifting Vanguard Shares to NRA Spouse
Replies: 9
Views: 1753

Re: Mechanics of Gifting Vanguard Shares to NRA Spouse

Bumping this back up. Anyone gift shares to a foreign spouse? Thanks again.
by canga
Thu Jan 01, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: TLH Alternatives for VEUSX & VFSVX
Replies: 7
Views: 1092

Re: TLH Alternatives for VEUSX & VFSVX

Thanks. It looks like both funds have a frequent trading policy, and need 60 days to reinvest. I chose to TLH into TISM so I won't be out of the market for that long.
by canga
Sun Dec 28, 2014 8:45 am
Forum: Investing - Help with Personal Investments
Topic: TLH Alternatives for VEUSX & VFSVX
Replies: 7
Views: 1092

TLH Alternatives for VEUSX & VFSVX

Hello Bogleheads, It's the end of the year and I'm trying to tax-loss harvest two funds. Each fund has around $750 in losses ($1500 total), for a tax savings of around $500. Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares (VFSVX) - E/R 0.4% Vanguard European Stock Index Fund Admir...
by canga
Sun Sep 28, 2014 9:56 pm
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 6279

Re: Obese airline passenger

I'm not sure if it is an airline policy or FAA safety regulation, but I watched a flight attendant move an obese person out of an exit row. The flight attendent proclaimed that those requiring a seatbelt extender were not permitted to sit in exit rows. For your next flight you should try to reserve ...
by canga
Sun Jul 27, 2014 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Mechanics of Gifting Vanguard Shares to NRA Spouse
Replies: 9
Views: 1753

Mechanics of Gifting Vanguard Shares to NRA Spouse

Hello Bogleheads, I am trying to understand the mechanics of gifting appreciated stock shares to my non-resident alien spouse so that we can rebalance back to our asset allocation and legally avoid paying US taxes. I understand that for gifts made in 2014, the annual exclusion for gifts to a non-res...
by canga
Sun Jul 13, 2014 8:51 pm
Forum: Personal Consumer Issues
Topic: Recommend compression socks for flights - Sizing?
Replies: 6
Views: 858

Recommend compression socks for flights - Sizing?

Hi, I'm interested to try compression socks specifically for long haul flights (8 to 20+ hours). Can anyone recommend a brand? I'd prefer a product I can buy from Amazon.com as they will ship internationally, but I'd consider buying from an independent website. How do you choose a good sizing? My sh...
by canga
Sat Dec 07, 2013 8:55 pm
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 10178

Re: Dave says $300 a month can grow to $3M

Dave actually likes 12% returns. Use 12% without any match and what do you get? I don't think using nominal is wrong; that's the way people think. Even here, "what's your number" is typically not inflation adjusted. Dang, that SpringMan beat me to it. $300 a month at 12% gets you $3.5M af...
by canga
Mon Oct 21, 2013 7:41 pm
Forum: Investing - Theory, News & General
Topic: Wiki (?) - Investing as an expat (US citizen living abroad)
Replies: 41
Views: 4779

Re: Wiki (?) - Investing as an expat (US citizen living abro

Thanks for bumping this one, canga. And thanks originally proposing it, LadyGeek. I noted the suggestion with interest when it first came out, but didn't have time then to write up some starter text. Unfortunately, I still don't have time to get the ball rolling, but would be happy to contribute ed...
by canga
Mon Oct 21, 2013 7:18 am
Forum: Investing - Theory, News & General
Topic: Wiki (?) - Investing as an expat (US citizen living abroad)
Replies: 41
Views: 4779

Re: Wiki (?) - Investing as an expat (US citizen living abro

I just found this post -- hopefully a bump brings more feedback. It's very difficult to get accurate investing and tax advice for expats so I would certainly welcome a wiki article. Here are a few basic concepts to get the ball rolling (highest priority first): 1. Overview of the foreign earned inco...
by canga
Sun Oct 20, 2013 7:01 am
Forum: Personal Consumer Issues
Topic: 48 Hours in Hong Kong -- Recommendations?
Replies: 4
Views: 754

Re: 48 Hours in Hong Kong -- Recommendations?

I love HK food ;-) Try one of the Tim Ho Wan locations for all-day dim sum: http://www.seriouseats.com/2013/05/snapshots-from-hong-kong-dim-sum-at-tim-ho-wan-sham-shui-po.html My favorite place for BBQ goose, although going with a group is better to order many dishes: http://www.yungkee.com.hk/whats...
by canga
Tue Oct 01, 2013 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Should I bother with this Stable Value Fund
Replies: 3
Views: 864

Re: Should I bother with this Stable Value Fund

I'm interested in any follow up discussion on this topic since I'm also trying to figure this out. The ER is high but not the highest I've had for a 401k fund, and the returns are expected to be low in this environment. I'm guessing that your insurer's are shown on Page 2 with their associated credi...
by canga
Sat Sep 28, 2013 10:23 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 11503

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

My undergrad was paid for by a combination of parents, part time job, scholarships, and student loans. My graduate degree was paid half by employer and half through cash flow by full time employment. No children yet but I think I would encourage them to go to a state school for undergrad unless the ...
by canga
Wed Sep 11, 2013 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401k Elections
Replies: 3
Views: 573

Re: Help w/ 401k Elections

Switching the IRA to the REIT fund to reduce the use of the high-cost REIT fund in the 401K looks like a clear winner, preferably sooner rather than later. In the case of the stable value fund it's not obvious, but at least compare its yield with regular bonds, and look into the credit risk. Thanks...
by canga
Mon Sep 09, 2013 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401k Elections
Replies: 3
Views: 573

Help w/ 401k Elections

Hi Bogleheads, I am trying to select 401k options for new 401k choices and would really appreciate your help. Here is my info: Basic Info Emergency funds: Six months in I Bonds Debt: $0 Tax Filing Status: Single Tax Rate: 28% Federal, 0% State State of Residence: Expat Age: 31 Desired Asset allocati...
by canga
Fri Mar 15, 2013 10:04 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 15086

Re: Dave Ramsey Defends His Investment Advice

Regarding Dave's 100% stock portfolio, for someone that abhors debt it would seem hypocritical to invest in a debt instrument. His fixed income comes from debt free real estate, which most on this forum discourage as a viable investment. The 8% withdrawal rate is inexcusable, but then again, so is b...
by canga
Mon Feb 18, 2013 6:43 am
Forum: Personal Consumer Issues
Topic: Books for Selling Consulting/Engineering Services
Replies: 5
Views: 715

Re: Books for Selling Consulting/Engineering Services

Thanks for all the recommendations, I have lots of reading to do!

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