Search found 51 matches

by txranger
Mon Feb 19, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1475

Re: Is it "cute" to invest in sector funds?

Can someone explain how vanguard healthcare fund returned like 16% a year since inception for 33 yrs with less volatility and drawdowns of sp500? What’s the catch here?
Admittedly, my best investment has been vti, along with aapl.
by txranger
Mon Feb 19, 2018 12:25 am
Forum: Investing - Theory, News & General
Topic: 529 plan use in 2018 - Homeschooling
Replies: 7
Views: 672

Re: 529 plan use in 2018 - Homeschooling

Can I pay for *foreign/non-US* pre school thru k12 from 529? I cannot get a clear answer on this. Anyone knows ? Tnx.
by txranger
Sat Feb 17, 2018 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Living abroad. Retirement savings options?
Replies: 45
Views: 5092

Re: Living abroad. Retirement savings options?

Ps. Be very careful w local retirement options of yo host country. IRS May disregard them and u may get screwed w taxes on way leaving the country — Australian Superannuation being an example, what a ripoff! In aus, if y don’t claim super funds when u leave, the govt can seize them after 2 yrs, so u...
by txranger
Sat Feb 17, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Living abroad. Retirement savings options?
Replies: 45
Views: 5092

Re: Living abroad. Retirement savings options?

I m over foreign exclusion limit and been able to contribute to the max to solo 401k and backdoor Roth. Really been not much of a diff if was in US...
I do understand that u can’t contribute to iras etc if u exclude all income but if u r over it, and pay taxes on it, no issues.
by txranger
Sat Feb 17, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 25
Views: 2189

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

Been expat 10 yrs now. No real issues, keep a valid US address. Few snags I hit with with opening Schwab bank (not brokerage) account from overseas — they tracked my IP, had to go in person on next trip to the US to fix that but no issues since. Fidelity, vanguard, Schwab, and TDA no real issues o/w...
by txranger
Sun Feb 04, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Soon To be Expat Seeks Advice TIA!
Replies: 23
Views: 1230

Re: Soon To be Expat Seeks Advice TIA!

What’s wrong with using a US address? I been an expat for a decade, no real issues till recently with Merrill which I just opened acct with for tansfer bonus and credit card rewards. As long as u have a proper US address (not POB), and keep a low profile, you ll be ok with most brokers, maybe except...
by txranger
Tue Jan 30, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: WSJ: Wall Street to Vanguard: We’re Not Your Doormat [Fidelity charging some plans to hold Vanguard funds]
Replies: 63
Views: 10469

Re: Wall Street to Vanguard: We’re Not Your Doormat

I have to say solo 401k at vanguard s not great as it does nt allow for admiral shares or etfs? Or did that change recently?
Anyone knows?
Tnx.
by txranger
Wed Jan 10, 2018 2:08 am
Forum: Personal Finance (Not Investing)
Topic: New 529 Plan Rules
Replies: 22
Views: 2212

Re: New 529 Plan Rules

Does this also apply for overseas/non-US schools for American expats?
Tnx
by txranger
Sun Jan 07, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7813

Re: How much are you putting in a 529?

I put in 70k when my baby was about 6 months. My ? Is can this $ be used for k12/elementary education worldwide/overseas or limited to the US. We r US expats living overseas. If it’s allowed, will put in another 15k this yr. I read the law, it does nt state it’s not allowed for overseas schools but ...
by txranger
Sun Dec 24, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: ? Can use 529 for foreign/overseas secondary school?
Replies: 2
Views: 453

? Can use 529 for foreign/overseas secondary school?

Anyone knows if one can use 529 to pay for a foreign/overseas private k12 /high school under the new rules?
Tnx appr
by txranger
Sat Dec 23, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 for grade school- help with strategy
Replies: 45
Views: 3897

Re: Using 529 for grade school- help with strategy

Anyone knows if one can use 529 to pay for a foreign/overseas private k12 /high school under the new rules?
Tnx
by txranger
Mon Oct 23, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Definiing "liquidity"
Replies: 13
Views: 1076

Re: Definiing "liquidity"

To me, liquidity means immediately avail cash on hand. Closest being cash kept at home/wallet. Second closest atm checking account but there r points of failure with that. So I have multiple cards. Credit cards r good but cannot use them for some important expenses. Living overseas in a cash-heavy s...
by txranger
Sat Oct 14, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 44
Views: 6313

Re: All in with Balanced Index fund

K what do u use in taxable account? Tax managed balanced? I m in 33% marginal bracket.would like International exposure. Lifestratege moderate? I looked at tax cost ratios, was about 0.8-1 for lifestrategy, 0.7-0.8 for regular balanced and 0.5-0.8 for tax managed. So tax managed maybe 0.3% better th...
by txranger
Thu Jul 20, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 52
Views: 5119

Re: Physician Compensation and Subspecialties

Tnx for the reply, was very informative. Problem is, can't work 12 mo/yr. I d like to take 3 mo/yr off. Those r great numbers/hr, that's what really matters, as unless yo own yo biz, you r changing time for $. All it is. Obv after-tax income is also what matters in the end of the day.... and cost of...
by txranger
Thu Jul 20, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 52
Views: 5119

Re: Physician Compensation and Subspecialties

Out of curiosity, What is avg Hourly rate for subspecialist such as derm or cards or a surgical subspecialist?
by txranger
Wed Jul 19, 2017 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 3030

Re: Tumbling USD -- expats

I dunno anything about this re: futures....

I been thru the high AUD in aus a few yrs back and that was painful.

Tnx for the advice Kramer btw -- was a good post. Will keep in mind.
by txranger
Tue Jul 18, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 3030

Re: Tumbling USD -- expats

OP here -- tnx to all who replied. The consensus seems to hold more thai baht in Thailand. I have some cash but don't want to deal with local banks. Any real options to hedge a bit via US brokerages? I have access to all major ones. Buy THD etf? Looks expensive and volatile? Ixus/vxus? Iau gold etf?...
by txranger
Tue Jul 18, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 3030

Re: Tumbling USD -- expats

Sorry about that accidentally pressed the button twice on edit tnx
by txranger
Tue Jul 18, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 3030

Tumbling USD -- expats

Any thoughts on how to preserve USD purchasing power for expats? Keep more in foreign currency? Gold? Buy more ex-Usa etfs?
Particularly looking on advice on Thai baht.
Tnx y'all appr
by txranger
Mon Jul 17, 2017 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Investing in Thai stock market as expat
Replies: 5
Views: 717

Investing in Thai stock market as expat

Is it worth investing in stock market as expat in Thailand via a us brockerage via THD etf. I d like some exposure to Thai baht. Or keep it simple and stick to ixus/vxus? Would investing overseas make sense to preserve USD spending power now? How much should an expat be invested overseas vs US marke...
by txranger
Sat Jul 15, 2017 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Problem logging into Vanguard from abroad
Replies: 17
Views: 3271

Re: Problem logging into Vanguard from abroad

This is a real concern. I live in Thailand and vanguard occasionally blocks access partic via their app. Usually clears it up on after answering security questions. Works fine for vpn. Goldman Sachs online bank started blocking thailand completely this year too, have to use vpn and then access it wi...
by txranger
Sun Jul 09, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Physically present in the US for VG advice
Replies: 4
Views: 583

Re: Physically present in the US for VG advice

Dunno i never had any issues w them but keep readin here they been kicking pple out for even moving temporarily to Canada. That's some bs is u ask me.
by txranger
Sun Jul 09, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 43
Views: 4524

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

Both good.

If u r an expat I d go w TD prob. They don't have vxus fee-free tho last time I checked tho.

I have all 4 big ones i.e. Also Fido and schwab. Latter 2 r better if u also want to bank at yo brokerage and much better if u live or travel a lot overseas.
by txranger
Sun Jul 09, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital - Phone Discussion
Replies: 39
Views: 6057

Re: Personal Capital - Phone Discussion

They have a good app. Problem is they r expensive. Keep it real cheap and simple and write yo self a check for 0.8% of yo portfolio every year. It's a lot of beer dude. :sharebeer :moneybag :moneybag :moneybag I find it a bit annoying they keep tabulating yo portfolio fees and neglect to mention the...
by txranger
Sun Jul 09, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: One Fund in Roth/Taxable
Replies: 13
Views: 1641

Re: One Fund in Roth/Taxable

Have u been thru 2008/9 market? U should really recheck yo self to be certain u don't sell nothin if your portfolio drops 50% and stays down awhile while all the news outlets proclaim cash is king again. Cuz if u do sell prepare for some major permanent losses.
by txranger
Sat Jul 08, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: VTMFX - Vanguard Tax Managed Balanced
Replies: 11
Views: 2705

Re: VTMFX - Vanguard Tax Managed Balanced

Yea I also have 100% Wellington in all of my tax advantage accounts. I looked at the numbers over the years and just couldn't find a way to beat it. So if u can't beat em join them. Fine w extra few bp of expenses for it.

Am considering going w vtmfx for new taxable contributions.
by txranger
Sat Jul 08, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Physically present in the US for VG advice
Replies: 4
Views: 583

Re: Physically present in the US for VG advice

I d advise u keep it on a need to know basis. And they don't need to know. Keep a US physical address and use google voice. And/or move keep your $ at another brokerage who s less of a PiTA.
by txranger
Sat Jul 08, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Illinois Partial Year tax increase
Replies: 19
Views: 3399

Re: Illinois Partial Year tax increase

Solution -- get out of IL
by txranger
Sat Jul 08, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: VTMFX - Vanguard Tax Managed Balanced
Replies: 11
Views: 2705

Re: VTMFX - Vanguard Tax Managed Balanced

Cple of reasons for a single fund vs 3-fund etc that no one seems to mention. 1. Behavioral -- avg investor, myself included, is less likely to sell it whenever single components r down. Munis took a big hit last yr for example and obv stocks can be volatile. This can a bigger factor than most of an...
by txranger
Thu Jul 06, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: 45yo 18M portfolio, best way to grow?
Replies: 47
Views: 7169

Re: 45yo 18M portfolio, best way to grow?

Dude as others pointed out here, u ve won the game. Not sure why u r looking here or looking for growth. Most folks here r desperately trying to get to perpetually sustaining status of living off their investments, and getting out of the rat race. Since u already got to the former, I suggest u look ...
by txranger
Wed Jul 05, 2017 12:14 am
Forum: Investing - Theory, News & General
Topic: Wellington vs Wellington Admiral shares
Replies: 12
Views: 2652

Re: Wellington vs Wellington Admiral shares

What would recommend instead of Wellington as set it and forget it option for taxable account, 33% marginal tax bracket. Something more tax efficient and widely diversified of similar risk low cost. Tnx much appr!
by txranger
Sun Jul 02, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 6625

Re: What are your health insurance stats?

Expat -- live in se Asia About $540/ mo for worldwide covg except for US,$200 deductible young family of 3. $2.5 mln cover. Includes maternity care. No dental. Has some vision cover. I buy separate travel ins when go back to the states. Any other expat stats pls post tnx Edit -- includes all oop but...
by txranger
Wed Jun 21, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard restricts my account due to mail?
Replies: 41
Views: 3741

Re: Vanguard restricts my account due to mail?

Disturbing. Transfer to another brokerage or two.
by txranger
Wed Jun 21, 2017 1:26 am
Forum: Investing - Help with Personal Investments
Topic: [Kicked out of Vanguard; Moving to Merrill]
Replies: 20
Views: 2733

Re: Kicked out of Vanguard; now what

This is very disturbing to hear. I been living overseas nearly a decade. Never give any US financial institution your overseas address. I own some property in the US and use that address. I m starting to notice that even using your phone/computer overseas they track your IP and starting to give grie...
by txranger
Tue Jun 20, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31791

Re: Ally Bank 1.25% 11 month with no EWP

How do u qualify for 1 day ach transfers? I have schwab and Fido ... says 3 biz days for them....
by txranger
Tue Jun 20, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladder?
Replies: 13
Views: 2291

Re: CD Ladder?

I m new to cds but don't see a point to lock anything longer than a year in this rate env. Can get 1.5% w no ewp at ally. If u have more than 5 yr horizon are u supposed to be in the market?
by txranger
Tue Jun 20, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31791

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Nope. Also can't do a partial wdwl
by txranger
Tue Jun 20, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31791

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Any one knows how to qualify for a 1 day ach from ally savings to schwab or fidelity? It's new account. Am I supposed to make a deposit into it? Just opened up a ton of no penalty cds. at my coverage limit. What's next? Those 1 yr cds r starting to look pretty stupid now. I.e. 1.4 % at gs bank. Not ...
by txranger
Tue Jun 20, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31791

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Just got off phone w them. They said I don't need to do nothin it it lock into best rate on it's own if funded within 10 days. Sad to be excited re 1.5% but it is what it is.
by txranger
Tue Jun 20, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 31791

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

How do I move $ from that no penalty cd I just opened into this one? .... how long would take?
by txranger
Sun Jun 11, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 845

Re: Schwab SIP

Vwelx has had an 8.24 % annual return since 1929 with avg volatility. Since 1986 it has similar return of sp500 with 1/3 less volatility. That quite an accomplishment imho.
by txranger
Sun Jun 11, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Goldman Sachs bank now blocking online access from overseas
Replies: 9
Views: 1458

Re: Goldman Sachs bank now blocking online access from overseas

This their dinky online bank they bought from ge capital btw, not the fancy Goldman Sachs etc
by txranger
Sun Jun 11, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 845

Re: Schwab SIP

Tnx. When i spoke w them last 2 yrs ago, avg costs was 0.26 for 65% stock. I read a cple weeks ago it was down to 0.18 now. Yes behavioral issues is a big one. I can tell you anyone of the options would do fine so long as u can stick w it thru a major bear market. So best pick lower volatility optio...
by txranger
Sun Jun 11, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 32293

Re: Where to Live on $60K or Less a Year?

Did u look overseas? How about thailand? It's nice here -- sun s warm and beer s cold. And no snow!
In the US, I liked Scottsdale and Denver personally. Heard Austin s nice but never been there.
by txranger
Sun Jun 11, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Joint bank account w/parent or not?
Replies: 28
Views: 2971

Re: Joint bank account w/parent or not?

Not sure if it's been mentioned but watch out for tax implications!! I understand IRS may consider it a "gift" if u add on a non spouse partner, including your child! There usa 12k/yr gift limit, higher amount may be taxable.
Better to designate as beneficiary imho.
by txranger
Sun Jun 11, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Managing currency fluctuations as expat
Replies: 2
Views: 408

Managing currency fluctuations as expat

Hi all. Any thoughts as to how to best manage currency fluctuations as an expat? I live in Thailand. All of my assets are in the US. Paid in USD. Wondering what to do to preserve some purchasing power of USD. Don't really want to keep any significant assets in thailand. I have about 1/2 -2/3 of year...
by txranger
Sun Jun 11, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 845

Schwab SIP

Is schwab intelligent portfolios worth it u guys think? I like the idea of TLH, maybe worth having 50 k in it? I had 5 k for 2 yrs, went up like 12%. Seems like it's filled w crap expensive fundamental funds and bonds look risky balanced by some cash and some not tax efficient etfs. Costwise like 0....
by txranger
Sun Jun 11, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 188915

Re: Share your net worth progression

2008: -50k accounting for med school debt. 2017: 2.9 mln. 40 yo. Blood money tho. Been painful to earn every cent. Certainly don't feel rich. Don't think I ever will. Hoping to go to half time work in 10 yrs. Dunno when I can fully retire. Or if I really want to. At what number can one stop worrying...