Search found 69 matches

by txranger
Fri Apr 20, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Need Help to FIRE in Thailand
Replies: 28
Views: 3232

Re: Need Help to FIRE in Thailand

U ll be treading water in muni funds now, with interest rates on the rise, their nav s gettin killed. Consider muni money market funds. After a lot of thought, I think lifestrategy moderate growth is the best compromise even tho it’s less tax eff. Just can’t beat simplicity and diversification and a...
by txranger
Thu Apr 19, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 48
Views: 2462

Re: EXPAT: Strategy when invested in USA and spending in EUROS

Just read the entire paper from all the vanguard PhDs — their conclusions, lower returns for next decade and diversify across everything smth similar to lifestrategy mod growth. Returns on cash approaches returns on most bonds too. And yea their most important conclusion — save more. Duh! Personally...
by txranger
Thu Apr 19, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 909

Re: ETFs for cash savings

What about buying tbills direct? Ladder 1-6 months and autoroll? Or vanguard muni money market. These options r starting to look better than hi yield savings accts...? Thoughts?
by txranger
Thu Apr 19, 2018 6:48 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 48
Views: 2462

Re: EXPAT: Strategy when invested in USA and spending in EUROS

What about hedging to Thai baht? Would like to retire in Thailand. After some thought I dunno if there s anything better than lifestrategy moderate growth fund seems diversified across everything? Though to beat at 13 basis points. Even in taxable account it’s about 20bp tax cost more expensive than...
by txranger
Mon Apr 16, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 145
Views: 13464

Re: Can I retire at age 40?

I don’t think you can. Def not w 4 kids. Off top of my head, u prob need double that ie like 5
Mln
by txranger
Sun Apr 15, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Best Solo 401k option?
Replies: 22
Views: 938

Re: Best Solo 401k option?

I been using fidelity — not bad. Call them once a year and deposit lump sum for max contribution and done w it.
by txranger
Sat Apr 14, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: As an expat with no US address, can I move my 401k?
Replies: 16
Views: 1286

Re: As an expat with no US address, can I move my 401k?

I don’t see anything illegal in using your parents address so as IRS knows where you live, u should be fine. But I m not a lawyer. The brokers simply want to cut compliance costs here. With the theoretical exception of buying US mutual funds as overseas resident, there should be nothin else that wou...
by txranger
Fri Apr 13, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: As an expat with no US address, can I move my 401k?
Replies: 16
Views: 1286

Re: As an expat with no US address, can I move my 401k?

u basically have 2 options -- find a reputable mail forwarding service in NV or FL that can provide a street address (i don't know of any myself). or 2 -- move to either schwab or interactive brokers. contact schwab to see if it works in your host country. i have been using my parents address person...
by txranger
Fri Apr 13, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Short-term investment options at BoA for 100K
Replies: 24
Views: 1342

Re: Short-term investment options at BoA for 100K

i ve had an annoying problem w bofa credit cards when their spending alerts don't get sent till like 2 days after the transaction --- anyone had this issue before? how do i fix it? i spoke w the bank they said to add my phone number as well, i did but no change. i tried everything on their website, ...
by txranger
Wed Apr 11, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14712

Re: Ally online savings now at 1.45%

Y even the no promo penalty cds r starting to fade compared to other options. Sent them an email, will prob have no effect and I ll vote w my feet.
by txranger
Fri Mar 23, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge sold my ETFs without my consent, SEC, FINRA, CFPB?
Replies: 89
Views: 8113

Re: Merrill Edge sold my ETFs without my consent, SEC, FINRA, CFPB?

Do you live outside of the US? That’s most likely reason. It is a real worry of mine — will be seriously considering consolidating to schwab and interactive brokers. Any expats had similar experience? My parents recently had a similar horror story w Fidelity — due to some issue w their former employ...
by txranger
Thu Mar 22, 2018 4:46 am
Forum: Investing - Help with Personal Investments
Topic: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity
Replies: 18
Views: 2029

Re: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity

Which term is better to buy giving expected rate hikes this year, 1 mo, 3 mo or 6 mo tbill? How liquid are they ie if need $ tomorrow and hold a $1000 in one of those bills and want to sell it how much s a loss roughly? If loss is low, would it make sense to hold longer duration to get higher yield?...
by txranger
Sat Mar 10, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Schwab insists on hard inquiry on Equifax credit report !
Replies: 30
Views: 2727

Re: Schwab insists on hard inquiry on Equifax credit report !

They do a hard pull for Schwab bank not the brokerage. Be careful to use a good vpn if overseas. They tracked me down and I had to finish it by showing in the branch w my passport and drivers license. No issues since tho. I gather if u keep a US street address on record they d leave u alone. Any oth...
by txranger
Mon Feb 26, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 7811

Re: how did you determine your risk tolerance?

Btw I am a doctor, I do worry about unemployment as just a few yrs back in my specialty the job market was dead. Crickets. My income went down by like 40% and still not recovered. I think what allowed Warren buffet to stand tall during a market mayhem is, besides a brass set of balls, a huge, huge p...
by txranger
Mon Feb 26, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 7811

Re: how did you determine your risk tolerance?

Re some of the posts above of having 0 EF, I d like to quote mr Mike Tyson — everyone has a plan until u get punched in the face. If u can survive a nasty bear market w out selling some equities ie as in back of 08-09, more power to u. I suggest u read some of the threads from Back then if u didn’t ...
by txranger
Mon Feb 26, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 7811

Re: how did you determine your risk tolerance?

When the Dow dropped 1000 points in one day and after the 10% correction, I was sleeping totally fine, I knew I m comfortable w my risk level. Keep 15-20% in cash. Cash s king partic now that bonds yield nothin and move in same direction as equities.
by txranger
Sun Feb 25, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 477414

Re: What's Your Credit Card Rewards Strategy?

Anyone knows to get immediate usage alerts on BOfA credit cards? I set up alerts but it only sends like 2 days later when the transactions actually post and not when the card is swiped.... Tnx
by txranger
Mon Feb 19, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 46
Views: 4130

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: 20
Views: 1985

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: 5316

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: 5316

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: 26
Views: 2560

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: 1287

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: 10703

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: 2279

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: 8324

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: 479

? 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: 4110

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: 1128

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: 6615

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: 5272

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: 5272

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: 3122

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: 3122

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: 3122

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: 3122

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: 743

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: 3307

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: 599

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: 5029

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: 6267

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: 1674

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: 3308

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: 599

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: 3500

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: 3308

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: 7272

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: 2806

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!