Search found 650 matches

by expat
Mon May 30, 2016 6:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you to all of our Veterans
Replies: 13
Views: 705

Re: Thank you to all of our Veterans

Veteran's day isn't until November 11.
by expat
Mon May 30, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 160
Views: 6396

Re: Investing when you have an estranged spouse

shakenbake wrote:Ah yes he never records anything anywhere. No check book. And he gives the tax preparer his W2 I have never seen that.


Do you have access to your tax returnS? If not, you can request them from the IRS.

https://www.irs.gov/uac/newsroom/how-to ... tax-return
by expat
Sun May 29, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 160
Views: 6396

Re: Investing when you have an estranged spouse

shakenbake wrote:I am safe. He does not hit me. He calls me names and is a bully yes says condescending things.


You don't sound safe. It's still verbal, emotional,and economic abuse.
by expat
Thu May 26, 2016 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is Real Estate Market going crazy again?
Replies: 79
Views: 6509

Re: Is Real Estate Market going crazy again?

Yes.

Wells Fargo launches 3% down payment mortgage

http://www.cnbc.com/2016/05/26/wells-fa ... tgage.html

What could go wrong?
by expat
Mon May 23, 2016 12:32 am
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 7422

Re: Is living in the Bay Area this difficult?

The Bay Area is overrated.

In general we love living in the Bay!


Sounds cold and wet. I personally prefer to live on shore
by expat
Fri May 20, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving real estate to kids
Replies: 20
Views: 1625

Re: Leaving real estate to kids

The best way to leave real estate to your kids is cash.
by expat
Tue May 17, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20928

Re: Rich But Middle Class

Filed under humblebrag. :D
by expat
Tue May 10, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 4165

Re: Keep Twins in Same Class for Kindergarten?

Having gone through this experience as a child, I say don't separate them unless that is what they want. I agree with your twins - it creates (unnecessary) sadness and anxiety.

There is no urgency to separate them before they are ready.
by expat
Sun May 08, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 59659

Re: Free Windows 10 Upgrade, Yes or No?

The Windows 10 blue screen is much nicer then previous versions. So there's that.
by expat
Fri Apr 29, 2016 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Small Overpayment on Taxes?
Replies: 13
Views: 1038

Re: Small Overpayment on Taxes?

I would forget about it.
by expat
Fri Apr 29, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 3319

Re: Inherited property and family issues

It is easy to come up with "solutions." The problem is getting siblings to agree on one.
by expat
Sun Apr 24, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with the "waiting game"
Replies: 32
Views: 4573

Re: Dealing with the "waiting game"

Create a side business and start contributing to a SEP IRA.
by expat
Wed Apr 20, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9315

Re: Cannot Pay Huge Tax Burden

If you owe 200K, you don't have a problem. The bank has a problem. Student loan debts are typically nondischargeable - so they do have a problem I understand. But if the borrower can't pay, it's the bank's problem. Also, I am sure there is a way to work this system. For example, http://blog.readyfo...
by expat
Wed Apr 20, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9315

Re: Cannot Pay Huge Tax Burden

If you owe 200K, you don't have a problem. The bank has a problem. Student loan debts are typically nondischargeable - so they do have a problem I understand. But if the borrower can't pay, it's the bank's problem. Also, I am sure there is a way to work this system. For example, http://blog.readyfo...
by expat
Wed Apr 20, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9315

Re: Cannot Pay Huge Tax Burden

If you owe 200K, you don't have a problem. The bank has a problem.
by expat
Mon Apr 18, 2016 3:04 pm
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 11380

Re: What are Pros and Cons to the "Four Hour Workweek?"

cherijoh wrote:Most entrepreneurs work a heck of a lot more than 4 hours per week launching their business(es). And the failure rate is extraordinarily high.


That's the point of the book. If you are working non-stop in your business, you will eventually fail.
by expat
Sun Apr 03, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: is foreign investing really worth it
Replies: 90
Views: 5739

Re: is foreign investing really worth it

I only buy assets when they are disappointing.
by expat
Wed Mar 30, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 70
Views: 4597

Re: Updates on the status of Linux

Microsoft runs Linux. See Azure, .NET even SQL Server will be ported to Linux.
by expat
Tue Mar 29, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 70
Views: 4597

Re: Updates on the status of Linux

Linux has passed its heyday. .... Linux was much more important when your only options were $100+ clunky windows software or a Mac. Now you don't even need either to run a Chromebook which is good enough for the majority of computer users out there. Chromebooks run on Chromium OS which is a Linux-b...
by expat
Sun Mar 27, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Question: Should we sue the cable company?
Replies: 26
Views: 3788

Re: Question: Should we sue the cable company?

Let your insurance company handle it.
by expat
Thu Mar 24, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Birthday Gift To Techie Husband
Replies: 38
Views: 2564

Re: Birthday Gift To Techie Husband

Gift him the drone so he can be with the kid. :D
by expat
Mon Mar 21, 2016 8:30 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 11250

Re: How have your homes as investments done?

It has been a great investment for the bank and the county.
by expat
Wed Mar 16, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I disclaim an inheritance on behalf of minor children?
Replies: 44
Views: 4190

Re: Should I disclaim an inheritance on behalf of minor children?

Do you have the legal right to disclaim someone else's inheritance? Or worse, transfer their inheritance to someone else? Another alternative is to spend the inheritance for the benefit of the children (childcare, medical expenses, camps, sports, vacations, etc) and contribute an equivalent amount t...
by expat
Sat Mar 05, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4528

Re: Mac laptop vs. Windows 7 (or 10) laptop

I don't think Windows users realize what a painful experience Windows is because they are so used to it and have, by now, very low expectations.
by expat
Wed Mar 02, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4528

Re: Mac laptop vs. Windows 7 (or 10) laptop

Chromebook. It just works.
by expat
Sat Feb 27, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Time To Quit My Job?
Replies: 53
Views: 4794

Re: Time To Quit My Job?

The big thing my wife is concerned with would be health insurance.


What's the concern?
by expat
Tue Feb 23, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: VTI vs Starting my own REIT
Replies: 52
Views: 4363

Re: VTI vs Starting my own REIT

To lose your job and sink your savings into an illiquid business run by someone with no experience is, well, crazy.


Ironically, this describes most first-time home buyers who, like it or not, become a property manager with zero real estate experience with themselves as a tenant.
by expat
Sun Feb 21, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: VTI vs Starting my own REIT
Replies: 52
Views: 4363

Re: VTI vs Starting my own REIT

cherijoh wrote:
trad3fgh wrote:I can build a listing/maintenance ticket website for RE business. I believe I am competent enough to perform an eviction, lease a room, snake a toilet, and clean a carpet.

By this statement, you are amply demonstrating that you have no idea what you are getting into.


Why do you say this?
by expat
Sun Feb 21, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: VTI vs Starting my own REIT
Replies: 52
Views: 4363

Re: VTI vs Starting my own REIT

Most people on this board are happy with a w-2 salary and passive investing in stock and bond index funds so you probably will not find many who approve in real estate investing as a business. If you think you have a solid plan, you should follow it and not listen to anyone else. There will always b...
by expat
Sat Feb 13, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: Watched Madoff:Considering Stuffing the Mattress
Replies: 19
Views: 2870

Re: Watched Madoff:Considering Stuffing the Mattress

In that case, don't watch the "The Big Short". Madoff was small-time.
by expat
Mon Feb 08, 2016 2:58 am
Forum: Investing - Theory, News & General
Topic: Why Invest in an International Index Fund?
Replies: 12
Views: 1748

Re: Why Invest in an International Index Fund?

visualguy wrote:
expat wrote:Buy low, sell high.


Would love to, but market timing is hard!


Timing isn't necessary just create an asset allocation and stick to it.
by expat
Mon Feb 08, 2016 2:41 am
Forum: Investing - Theory, News & General
Topic: Why Invest in an International Index Fund?
Replies: 12
Views: 1748

Re: Why Invest in an International Index Fund?

so what's the point again?


Buy low, sell high.
by expat
Tue Jan 05, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: When to leave day job
Replies: 38
Views: 4326

Re: When to leave day job

The time to leave your day job is when it starts to interfere with realizing the potential of your side business i.e. when the opportunity cost of spending time at work becomes too great

I would also recommend the book "The 4 hour work week".
by expat
Thu Dec 31, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 2750

Re: Roll Call for Tax-Loss Harvesting Class of 2015

I TLH'd in 2009 and have not had to do it again because of the bull market.
by expat
Mon Dec 28, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: To dump a loser stock or not?
Replies: 20
Views: 1566

Re: To dump a loser stock or not?

Buy low and sell high.
by expat
Sat Dec 19, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Christmas Time : How to not appear rude
Replies: 67
Views: 7930

Re: Christmas Time : How to not appear rude

Don't look a gift horse in the mouth.
by expat
Fri Dec 18, 2015 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: American UN employee confused about Roth options
Replies: 4
Views: 415

Re: American UN employee confused about Roth options

What makes this interesting is that if I'm only paying the taxes on my non-UN income, then I (I think) can convert my SEP IRA to a Roth and only count my non-UN income when figuring out the taxes on the conversion. (I have consulting income from this year too). I don't think you have this right. Yo...
by expat
Tue Dec 15, 2015 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employed SEP IRA + Employer 401(k)?
Replies: 11
Views: 782

Re: Self-employed SEP IRA + Employer 401(k)?

I believe you can do this in your situation.

Your SEP + Employer's 401(k) + Roth = 20% of net business profit as employer contribution (max 53K) + 18K + 5500
by expat
Tue Dec 15, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX having a terrible year [Vanguard Total International Stock Admiral]
Replies: 24
Views: 3216

Re: VTIAX having a terrible year [Vanguard Total International Stock Admiral]

Dec. 10, 2001: Warren Buffett on the stock market “To refer to a personal taste of mine, I’m going to buy hamburgers the rest of my life. When hamburgers go down in price, we sing the ‘Hallelujah Chorus’ in the Buffett household. When hamburgers go up in price, we weep. For most people, it’s the sam...
by expat
Mon Dec 14, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Desperately need advice - sold business, what now?
Replies: 17
Views: 1905

Re: Desperately need advice - sold business, what now?

And it is hard to find somewhere to put cash that will keep up with inflation.


There is hardly any inflation right now and if there is deflation, cash would generate real return.
by expat
Mon Dec 07, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Trustee now executor--Bank trust department
Replies: 5
Views: 533

Re: Trustee now executor--Bank trust department

>> I have yet to see the will or the trust document.

Have you requested them? You have the right to see both of these.
by expat
Tue Dec 01, 2015 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice - Primary Residence/1031 Exchange
Replies: 4
Views: 695

Re: Real Estate Advice - Primary Residence/1031 Exchange

>> Is there any other scenario where I could better shelter the profits?

Yes, the sale of a primary residence automatically gets an exclusion (up to a limit) from federal capital gains.
by expat
Tue Oct 27, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from inheritance?
Replies: 54
Views: 7612

Re: Walk away from inheritance?

(responding to expat): On the contrary, I think hiring a lawyer, as a CONSULTANT, may be a good idea. Again, the situation as presented by the OP here is rather confused. Perhaps the OP has a better sense of it in his own mind, perhaps not. But OP and his wife would probably benefit from a consulta...
by expat
Tue Oct 27, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from inheritance?
Replies: 54
Views: 7612

Re: Walk away from inheritance?

Don't hire a lawyer unless you are prepared to create a permanent rift in the family. If a lawyer gets involved, it will make it much worse.

Instead, you need a mediator or therapist who can help you communicate and get what you want from the controlling sibling.
by expat
Sun Oct 25, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Son had [bicycle] accident [- how to handle claim against him]
Replies: 68
Views: 6014

Re: Son had accident while on a shared bicycle

Your son caused the damage, he is responsible for making the car owner whole. +100. The rest just seems to be inflicting more damage on the injured party. The insurance company is responsible for making the car owner whole. If the son pays the claim, he will be making the insurance company whole.
by expat
Sun Oct 25, 2015 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Son had [bicycle] accident [- how to handle claim against him]
Replies: 68
Views: 6014

Re: Son had [bicycle] accident [- how to handle claim against him]

>> 3) Do nothing and wait for them to sue?

Wait 6 months and then offer them what, if anything, you think is fair.

And your son should let them know he is a student with no assets i.e. they have no chance of collecting a judgement if they were to sue which they aren't going to do anyway.

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