Search found 160 matches

by pc95
Sun Sep 24, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12532

Re: Any "average Joe" here actually make out well with individual stocks?

[quote=CurlyDave post_id=3545496 time=1506238215 user_id=111472] [quote=pc95 post_id=3545474 time=1506235621 user_id=29974]...My coworker told me his real financial horror story which was fairly stupefying (at least for an moderate earner like myself), and put things in perspective for me. He tried ...
by pc95
Sun Sep 24, 2017 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8288

Re: Age you retired

[quote=ReadyToRetire post_id=3543387 time=1506103083 user_id=113456] I did a quick search and found that this question was asked before, but I couldn't find a recent thread. If anyone knows of one, please direct me to it. And thanks. I was just wondering for those of you retired, at what age did you...
by pc95
Sun Sep 24, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12532

Re: Any "average Joe" here actually make out well with individual stocks?

I've done ok with individual stocks, and have been lucky in that I haven't incurred any gigantic losses (yet). But likewise no gigantic gains either. For me "gigantic" would be 6-figure; maybe for some that might be 7 or a few even 8 or 9. My coworker told me his real financial horror story which wa...
by pc95
Sat Sep 16, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Considering rolling over Vanguard funds to TSP
Replies: 13
Views: 1044

Re: Considering rolling over Vanguard funds to TSP

Will the restrictions on TSP withdrawals be alleviated? And how were they concocted in the first place? What about the option of buying a partial or full annuity? (I was just thinking about annuities recently)
by pc95
Sat Sep 16, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best Bank/Credit Union/Financial Company current CD Rates? Or Annuities?
Replies: 2
Views: 465

Best Bank/Credit Union/Financial Company current CD Rates? Or Annuities?

For CD hawks, what's the best longer term (3-7 year) rate you've found recently? https://www.depositaccounts.com/cd/5-year-cd-rates.html Currently 2.6% for a 5-yr (Mountain America Credit Union) Or, anyone have or like annuities - if so, which companies and rates? ie Met Life, life insurance compani...
by pc95
Fri Sep 15, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10718

Re: The 10 year car ownership "rule"

Not just ownership, but maintenance cost. Has anyone kept a detailed log of all fuel and maintenance actions? I'm sure many do or have. I'm willing to bet over 20 years fuel and maintenance doubles up the total cost of the vehicle. For me if I've had a car a long time (more than 10 years), I start t...
by pc95
Sun Aug 20, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: 401k Allocating/Shielding and Time Horizons plus Circuit City
Replies: 2
Views: 236

401k Allocating/Shielding and Time Horizons plus Circuit City

I've read on posts before and discussed with co-workers the benefits and detriments of shifting 401k allocations based on what the market is doing and retirement target dates. On a basic level, should one be shielding allocations from higher risk to lower risk at say 7, 5, 3, and 1 years from retire...
by pc95
Thu May 18, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs in Japan?
Replies: 1
Views: 561

Healthcare costs in Japan?

Anyone living in Japan who can talk about how much healthcare there is for the public for 40-60 yro? Looking at work that may not have coverage. Ballparks are fine.

Thx.
by pc95
Sun May 07, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 5666

Re: Can we afford a 800K house?

[quote="hookemhorns"][quote] Opportunity cost is not actual cost. [/quote] Actually, it is. What the actual opportunity cost ultimately works out to is yet unknown, but it is certainly a cost. To pretend that the original poster's potential $160k+ down payment has no opportunity cost is wr...
by pc95
Sun May 07, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 5666

Re: Can we afford a 800K house?

Opportunity cost is not actual cost. An assumed 6% investment return rate, is just that, assumed, and it also may mean an after tax rate of even higher value depending on the original-poster's income. I don't know any investment that guarantees 8% return year after year. If one existed I'm sure many...
by pc95
Sun May 07, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 5666

Re: Can we afford a 800K house?

m A quick look at a mortgage calculator shows that if you have $400k for a downpayment, you can get into $400,000, 15 year loan at 3.5% and have a PITI of ~$3750 per month - $250+ less than your rental. That may not include tax savings as well. As discussed there is much to consider on top of the fi...
by pc95
Sun May 07, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 5666

Re: Can we afford a 800K house?

And BTW, the United States Governent certainly welcomes you to the 1% club. I doubt with that kind of salary, anything too adverse happens to you immigration-wise, but who knows. Put it this way, too, at your stated salaries, your company may hire or have a law-team for you. And if litigation, you c...
by pc95
Sun May 07, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 5666

Re: Can we afford a 800K house?

At first glance you can "afford" it based on your stated salaries, but when looking at housing, what is the property tax rate in your area? If it is high (say 2%), this must be factored into your consideration long-term. Also stock options are not the same as cash in compensation. You will...
by pc95
Sun Apr 30, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4249

Re: Car maintenance for older cars - where do you go ?

Goodyear, and always haggle....always
by pc95
Sun Apr 30, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 72
Views: 9528

Re: Which High-Yield Online Savings Account Should I Open?

http://www.sfgidirect.com/

1.06% - but the main reason why I like sfgidirect is its fast ACH turnarounds - usually a day or 2 max to your main bank. Other banks/Credit Unions take 3 or 4 days sometimes to transfer.
by pc95
Sun Mar 12, 2017 3:39 am
Forum: Investing - Help with Personal Investments
Topic: Japanese Investment/Brokerage Firms?
Replies: 4
Views: 470

Re: Japanese Investment/Brokerage Firms?

Thanks,so, there is no such Vanguard/Fidelity-like firm? Or is Rakuten as close as it gets? I'm looking for companies that offer low cost Index funds if possible, not high frequency trading. Regards.
by pc95
Sat Mar 11, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Japanese Investment/Brokerage Firms?
Replies: 4
Views: 470

Japanese Investment/Brokerage Firms?

Hello, I am looking at working and living in Japan fairly soon, and was wondering if anyone can recommend any Vanguard-or-Fidelity-like low cost brokerage companies in Tokyo area? If not, what are closer alternatives?

Thanks.
by pc95
Fri Feb 03, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Favorite S&P/Global Dividend Single Stocks?
Replies: 4
Views: 466

Favorite S&P/Global Dividend Single Stocks?

Greetings, was interested in what S&P 500 or S&P 1200 Global single dividend stocks folks hold or recommend and their experiences with them? I currently own a bit of Vanguard High Dividend Yield Index fund (VHDYX), but would like to look more into single S&P or large Global dividend stoc...
by pc95
Fri Feb 03, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Another can I afford this $2M house thread...
Replies: 70
Views: 8218

Re: Another can I afford this $2M house thread...

Congrats on succeeding in work financially, but I don't envy you in the twilight zone of Real Estate that is the Bay Area nowadays. My step-dad was able to retire 6 years early and pay off debts thanks to a divided piece of inheritance from his Uncle of a SF city house in utter disrepair there that ...
by pc95
Sat Dec 17, 2016 8:24 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 68
Views: 8126

Re: Charles Schwab Experiences?

Thank you for your responses.
by pc95
Sat Dec 17, 2016 3:04 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 68
Views: 8126

Charles Schwab Experiences?

I'm trying to direct my mother away from Wells Fargo Advisors into Vanguard, but she is not interested in online banking or investing. So I'm having her check into Charles Schwab which has a local office where she lives. I've read Schwab is a reputable company, and wanted to reach out to ask of gene...
by pc95
Sun May 15, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Insurance (Self-Insuring)
Replies: 6
Views: 710

Re: Health Care Insurance (Self-Insuring)

Thank you for you Responses and links.
by pc95
Sun May 15, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Insurance (Self-Insuring)
Replies: 6
Views: 710

Health Care Insurance (Self-Insuring)

Does someone know a good website or list of sites for health care insurance not given through an employer?
Is it true this kind of insurance benefits and costs vary widely from state-to-state? If so which states generally have more
favorable plans (ie better value)?

Thanks.
by pc95
Fri Jun 05, 2015 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]
Replies: 8
Views: 887

Re: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]

Ralph, I checked HSBC's Premier account in Japan and it looks like you cannot open a premier account since 2013...? Thanks for the info though
by pc95
Fri Jun 05, 2015 7:31 am
Forum: Personal Finance (Not Investing)
Topic: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]
Replies: 8
Views: 887

FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]

Good Day, does anyone have a system or know of the best way to minimize fees/costs for fairly large amounts of Foreign Exchange from US Dollars[$] to Japanese Yen [Y]? I'm trying to get as close to the Exchange rate as possible for obtaining millions of Yen ($10s of 1000s) without paying large perce...
by pc95
Sun Apr 19, 2015 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1353

Re: Estate Tax Considerations

Thx Theoretical....So I guess I'm not understanding fully - will the joint assets of our estate incur estate tax regardless of if a trust is setup or not? You say it's already "taxed"? There is no exemption available due to non-citizenship, correct? Our assets will not be above the exempti...
by pc95
Sat Apr 18, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1353

Re: Estate Tax Considerations

Thanks for the replies, my wife has said she'd like to return to Japan in the event of my death, and as such my understanding is if there is no QDOT setup, estate taxes will be incurred. Also, even if a QDOT is setup, only interest can be drawn unless deemed a hardship, and estate taxes will be due ...
by pc95
Sat Apr 18, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1353

Estate Tax Considerations

Hello, my wife is Non-US Citizen and does not want to become a US citizen; she is Japanese covered fairly well under treaty pacts for income. I have read due to being a non US Citizen there is no normal spousal exemption for estate tax if I die suddenly. We went through the Green Card Process a deca...
by pc95
Fri Apr 17, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 6430

Re: Inexpensive Smartphone

Interested in an unlocked smart phone for wifi only....do not want monthly plans or minutes, just want for wifi applications (skype, maps, travel, airline etc)- anyone purchase a cheaper smartphone they can recommend for this utility? Thx.
by pc95
Fri Apr 17, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Taxable
Replies: 1
Views: 376

Life Insurance Taxable

An older friend has listed me as a beneficiary of his life insurance. Simple question - are life insurance benefits taxable in CA? Thought they were not, but unsure - Thx.
by pc95
Sun Apr 12, 2015 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate - Japan
Replies: 5
Views: 1011

Real Estate - Japan

Are there any Ex-Pats who live or have lived in Japan in the forum and have gone through the hurdles of purchasing property in Japan as a seasonal living arrangement? If so, what are the major considerations (aside from language issues) you've made and gone through with the purchase/rules - ie major...
by pc95
Wed Feb 11, 2015 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Trust Supervisor Role
Replies: 4
Views: 605

Trust Supervisor Role

Hello, I had originally been asked to be an executor to my older friend's estate. He also generously asked to put me as a beneficiary to a portion of it. Upon consultation with a lawyer, he has now modified his idea of a will to a trust, and asked me to be "trust supervisor" (I dont think ...
by pc95
Sat Dec 27, 2014 11:54 am
Forum: Investing - Theory, News & General
Topic: An ETF on a futures contract? Can someone explain this to me
Replies: 41
Views: 3057

Re: An ETF on a futures contract? Can someone explain this t

" My one observation of oil prices since 1979 (or 1973) is that 1). it is always volatile 2). the swings up and down always go further than you imagine possible."

This is exactly what I'd be betting on for the upward variety....good old limit orders.....
by pc95
Sat Dec 27, 2014 10:51 am
Forum: Investing - Help with Personal Investments
Topic: USO ETF Speculation
Replies: 5
Views: 660

Re: USO ETF Speculation

thanks for the thread sifting....
by pc95
Sat Dec 27, 2014 10:49 am
Forum: Investing - Theory, News & General
Topic: An ETF on a futures contract? Can someone explain this to me
Replies: 41
Views: 3057

Re: An ETF on a futures contract? Can someone explain this t

Off a google search, a blogger writes about another possible pitfall with USO called contango, that may be something to consider: m He recommends a spread-out (averaged)oil futures ETF named USL which is less volatile by the same company. Few thoughts: People have "headed for the exits" on...
by pc95
Sat Dec 27, 2014 2:15 am
Forum: Investing - Help with Personal Investments
Topic: USO ETF Speculation
Replies: 5
Views: 660

USO ETF Speculation

Wondering, has anyone considered Oil ETFs as a speculation-type investment currently with the fairly substancial drop-off? I've been looking at USO at around $21/share at an 8+ year low off its chart, and off it's approx $30/share average over the last 4-5 years. Thoughts? Can oil continue to fall o...
by pc95
Sat Dec 27, 2014 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 12407

Re: Best Online Savings bank

Have not looked at GE, but Barclays 5 yr CD at 2.25% and 180 day early penalty is pretty good at the moment I think.
by pc95
Fri Oct 10, 2014 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo Advisor Sales Load/Fee Question
Replies: 6
Views: 788

Wells Fargo Advisor Sales Load/Fee Question

Quick question concerning stock sales - my mother uses Wells Fargo Advisors and called in the the advisor recently to sell 1000 shares of xyz at $37 per share. She says the advisor reportedly told her there will be a $500-600 fee to sell on top of the taxes (capital gains).....I'm trying to figure o...
by pc95
Thu Sep 18, 2014 8:04 pm
Forum: Investing - Theory, News & General
Topic: Yen almost @ 109 to the dollar
Replies: 19
Views: 2649

Yen almost @ 109 to the dollar

Was wondering why the Yen is weakening so fast? And is this what the Japanese government wants? Believe it's desired for exports....but what other reasons might there be?
by pc95
Sun Sep 07, 2014 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bond Funds and Interest Rates Question
Replies: 17
Views: 1725

Bond Funds and Interest Rates Question

If the FEDS raise interest rates to 4% what will be the corresponding percentage drop in an average bond index fund, for example VTAPX?
by pc95
Fri Jun 13, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: (40s) Early Retirement Considerations
Replies: 1
Views: 800

(40s) Early Retirement Considerations

I'd like to hear from those who retired or have tried to in their 40s. What age did you retire? Are you able mostly to maintain your lifestyle and principal income so far? How many years did you work prior to retiring? Are you able to save at least somewhat when in retirement? What do you do/have fo...
by pc95
Fri Apr 11, 2014 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1642

Re: Considerations For Executor

I met with my friend today and informally accepted the offer of executor with additional dutie to assist his wife in the event of he dying prematurely/suddenly. I found out that he has an LTCI that will cover his wife for $110 per day of for the rest of her life should something happen to him; he al...
by pc95
Thu Apr 10, 2014 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1642

Re: Considerations For Executor

Thanks for your thoughts Sparkle, I may bring it up, although he stated he had Long Term Care and Health Insurance - in correspondence my friend uses the word "simple" quite often. Wanting a "simplified" situation for his wife. He has a "simple" will, and has said he's ...
by pc95
Thu Apr 10, 2014 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1642

Re: Considerations For Executor

Mayday, that's much of how I feel; I"ve told him I am interested and am happy to help - sort of signaling I will do it, but my wife is worried of legal ramifications or liabilities. As WhyNot advised, keeping arms length is a good idea, so fair compensation is completely up to him, with as litt...
by pc95
Tue Apr 08, 2014 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1642

Re: Considerations For Executor

Thanks WhyNot for your reply. A will seems very personal and I do not want to cause a stir to his extended family, but at the same time I do not want to let him down. He has been there many times for me with my work without question. To add, his wife does not handle and is incapable of handling fina...
by pc95
Tue Apr 08, 2014 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1642

Considerations For Executor

I have an old mentor from work whom I'm still close to recently ask if I was interested in being executor of his estate. He has been retired almost 10 years, but we keep in contact fairly regularly. His wife is much older than he (more than 10 years), and he has offered generous compensation if I ag...
by pc95
Thu Jan 02, 2014 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Coverdell Education Savings Account Insurance Qs
Replies: 0
Views: 176

Coverdell Education Savings Account Insurance Qs

The FDIC site states Coverdell ESA Certificate is insured as an irrevocable trust account. How is this coverage compared to FDIC deposit insurance? How is this
coverage administered?

Thx.
by pc95
Fri Dec 13, 2013 12:36 pm
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 47266

PenFed Raises CD Rates

[Thread merged into here, see below. --admin LadyGeek]

For those of you interested in CDs - Just saw this (sorry if a repost):

https://www.penfed.org/Certificates_Overview/

Of note, 5 year CD is 3.04% with an early withdrawal penalty of 365 days.
by pc95
Fri Dec 13, 2013 10:13 am
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 11952

Re: Poor PenFed Reviews

Have had Penfed for 8-9 years. Have their older 5% rebate gas card which I believe is longer available. It's been an excellent gas credit card. I also use them for CDs though their rates have lately been less competitive than in years past. Their CD process is average, and I'd agree with others they...