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ragabnh

I have around 120K in Large Cap well known Companies in taxable brokerage account, all dividend paying, they were accumulated through out the years and never sold during ups and downs. I am 59 years old retired and they generate income which I will start tapping in the coming years. I would consider...

ragabnh

I use Google Chrome and it is working fine. I agree their website is not the best.

ragabnh

I did with there saving account $50,000. The annual rate is 0.75% and you get $500 after 4 month of maintaining the balance. I think it is a good deal.

ragabnh

From my personal experience, the body integrity of Lexus/Toyota cars is superior to that of Acura/Honda, look at older models and you will notice the difference in how the car holds itself. Reliability for both brands is the same, but fit and finish of lexus is far superior to that of Acura and Toyo...

ragabnh

Thanks Grt2boutdoors and Artsdoctor for your posts,

My tax bracket for 2014 was 20%, but I was working back then,

I was considering saving account online with Synchrony at 1.04%, may be I should do that now.

ragabnh

Thanks Cruncher for your input, the money is not emergency fund, I already has one with one year expenses covered. It is a money I received as a gift from my mother and I am currently just retired at age 58 and have no immediate use for this money, also I have around 250k in saving account at WF ear...

ragabnh

I will take your advice, thanks for your input SuperNova.

ragabnh

Is it a good time to buy Treasury Bonds Series EE and I Bonds, or should I wait till September after the Fed Meeting with regards to Interest rate possible hike?

I have $20,000 to invest for the long run.

Thanks for the help.

ragabnh

i have retired at age 58 a month ago, very similar savings to yours invested in the market tax and tax advantage basis, but my wife still works earning 70k annually. I believe you can do it provided that you control your expenses.

ragabnh

Bought 2013 328 XDrive fall 2014, it was a left over and had 800 miles on the odometer, this one is optioned with cold weather and lighting packages and has the navigation package. MSRP was $47000 got it for $35500. Fantastic car, so much fun to drive and is plenty powerful, with 2 liter biturbo and...

ragabnh

Thanks Kaneohe for your response,

The way I understand your post is to open another TIRA account and role over the money that I withdrew from my current TIRA account into it,

Then characterize within 60 days and roll over to Roth, is that correct?

ragabnh

Hello, I hope I am not repeating a similar topic as I am confused reading all similar situations and doing my taxes at this time, My situation is as follows: - contributed to TIRA in early 2014 for the same tax year, amount $6,500 over age 50 - Due to change in my employment I am no longer eligible ...

ragabnh

Is there an equivalent Vanguard ETF for the same?

ragabnh

I was late to the party, at age 40 I owed around $20,000, by the age of 50 I hit $100,000, currently at 58 more than 10 times as much without considering my house.

ragabnh

2014 Porsche Cayman S

is the car I want and will buy, once I am back to the US.

ragabnh

Nothing ages like a Toyota, and that is beside reliability and quietness.

For the above 3, certainly vote for Camry.

ragabnh

I am from Nevada and my son wants to go to California School, UC Davis, tuition, room and board and other expenses is around $52,000 annually, so for a 4 year degree I will be paying $208,000, oouch.

ragabnh

livesoft wrote:I know quite a lot of engineers that don't know their way around a tool box. A practical job would go a long way to solving that problem.

Sure then I will ask him to work as frier boy in the neigbourhood Taco Bell so he is well prepared to design cable stay bridges,

ragabnh

My father paid my full college expenses, and I will be doing the same for my son. I want him to concentrate on his schooling without worrying about working to pay for it. You know, it's funny... Of the knowledge and wisdom I apply on a day-to-day basis in my job, I'd say that at as much of was gain...

ragabnh

My father paid my full college expenses, and I will be doing the same for my son.

I want him to concentrate on his schooling without worrying about working to pay for it.

ragabnh

I have 07 FJcruiser, I will give it to my son who will be going to college next summer,

ragabnh

I started when my son was 5 years old, currently he is Sixteen, I started contributing $150 per month and I increased steadily through the years to the current $1000. We have around $70,000 in New Mexico plan while we live in Nevada and we do not have any state tax benifits for maintaining such plan...

ragabnh

I have no health insurance in the US, but I have HSA with some money (ex-employer plan), currently I work oversease, however can I still use the money in the US (when I visit) for medical expenses even though I do not have any health insurance (health insurance only valid overseas)

ragabnh

House paid off October of last year, will retire next year August at age 58, renting the house currently, as I work overseas at this time, once I am back I will buy a new house for cash and keep the rental property for generating money during retirement.

ragabnh

Ok, the house is currently worth around $230,000, at the height of the markedt 07 it was worth $430,000 and $170,000 at market lows early 2012, I did not buy the house to invest, I wanted a place to live without paying rent, my mortgage payment was $1500. The house was paid off in 16 years, I only p...

ragabnh

I am not a real estate investor, but I will present real case scenario, I bought a house in 1996 paid $200,000 including upgrades, I had to leave the US to work overseas 2008, so I used property management company to rent it. The house was paid off November 2012, currently I clear $1100 in rent afte...

ragabnh

Age 56 save around 67% of Gross, will retire in 1.5 years at almost 58.

ragabnh

Can't you buy collision and liability insurance at other places rather than the rental agency, may be that way you can get a better deal.

ragabnh

I work abroad, and for the past two years I efiled using Turbotax and my estimated taxes were withdrawn from my US bank account.

ragabnh

15% of net worth is in a paid off home,
25% is in cash
60% is in stock and bonds in ratios 60% and 40% respectively,
Two more years before retiring.

ragabnh

Thanks Alan, your response is well appreciated, The traditional IRA contribution is tax deductable so I prefer to keep as is, in this case the only option I have is to withdraw my contribution of Roth IRA and pay taxes on gains, but I am not sure if the 6% penalty applies, since the contribution was...

ragabnh

I have contributed by mistake to my Roth IRA $6000 early 2012, in the same time I have contributed the same amount to a traditional IRA, My question is : Can I apply my Roth 2012 contribution to 2013, if yes, how would I do that. My account is with Etrade for the Roth IRA. I appreciate any help or a...

ragabnh

2007 FJ cruiser with 37000 miles, bought from Irish Expat,

2010 Toyota Prado 20,000 Kilometers, bought new,

We live currently overseas and both cars were great so far,

ragabnh

I am 55 years and should be 56 in couple of months,

ragabnh

I have a paid off house that is generating around 8% annualy of its current value in rents, it is run by property management company and it has been rented for the past three years. I purchased appliance insurance and I pay HOA, taxes and property insurance on line, the rest is taken care by Propert...

ragabnh

20% of my Portfolio is in bonds,

50% in Total Bond Market,
50% in Tips and I-Bonds

ragabnh

I will be paying off mine in two months, started with a 30 year loan, refinanced for lower interest rate and 15 years term, refinanced again for even lower interest rate and 10 year term.

ragabnh

I started late by age 41, I did not make much money prior to that and I was paying debt due to bad decisions. However I managed to save significantly after that, each year increased the percentage, which is currently at 65% of my income. Currently at 55, I managed to build up my networth significant...

ragabnh

Started Late at 41 years old, maximized my contribution to 401k and Roth Ira, now at 55 I also use catch up contribution. also invest in I-bonds and have two brokerage account for after tax saving with low six figure each. Plan on retiring in two more years.

ragabnh

I have moved overseas 4 years ago for work reasons, I expect to stay two more years, I have been renting my house with property management in charge. I also pitch in around $300/month to make up for the mortgage payment. It has been good experience so far, I would do it again if I go through similar...

ragabnh

I check on daily basis, happy when market goes up and ignore it when market goes down.

ragabnh

I started putting 200/month in my Son's 529 when he was 3 years old, then I realized that was not enough so I increased gradually to 500/month, currently my is son is 15 and he has around $57,000 in his 529 + $5500 in coverdale IRA+$8000 Series EE bonds, I will keep putting money for him all the way...

ragabnh

Johm221122 wrote:
ragabnh wrote:I have $300,000 in a saving account yielding 2.5% and heck yes I count that in AA,

Why?Because of good interest rate ?

Yes, it is 25% of my portfolio, I feel it is diversification besides Mutual Funds and Bonds. The money is also accessable easily in case I need to enter the market at some point.

ragabnh

I have $300,000 in a saving account yielding 2.5% and heck yes I count that in AA,

ragabnh

Congratulations for this big achievment, I am 56 years old and still have mortgage going, but I should be done within 4 month, I am sure at your age it should feel fantastic.

ragabnh

At age 83 and she wants to get into restaurant business, may be finally age caught up with her.

ragabnh

Family of 3, live overseas currently, spend $1200 on groceries and $1000 on dining and lunch, all what I can say we eat first class, probably could cut that easily by 1/2 as food prices are slightly less than the US.

ragabnh

Tax rate 25%.

ragabnh

1. First, you need a plan. Are you asking for suggestions to develop one? http://www.bogleheads.org/wiki/Investment_Policy_Statement Plan is 60% equities 40% bonds 2. Invest according to #1. That is where I need the advice, I don't have tax advantaged account besides Roth . 3. What are your goals (b...

ragabnh

Hello, :) Age 54, spouse does not work, son 14 years old. Planning on retiring at 62. Currently work overseas, no 401k is available, investing only in Roth and I-Bonds. Plan on working at same place for the next 3 years and then back to the US. Current Annual Savings $100,000. I have accumulated som...

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