Search found 25 matches

by maylikesun
Mon Jul 09, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Italian graduate student in US
Replies: 8
Views: 518

Re: Italian graduate student in US

Not exactly sure what do you mean by move your residence to US. For IRS, you become resident alien after 5 years f1. If you meant change your residence with Italian government so that you will receive voting information etc from Italian consulate, I don't think that will affect your tax situation wi...
by maylikesun
Sat May 19, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: UK expat in China, new investor, help needed, please :)
Replies: 13
Views: 1210

Re: UK expat in China, new investor, help needed, please :)

For the money you earned in China and deposited in Chinese bank, I don't know whether you can buy Chinese money market funds or China government savings bond. Those are both offering quite good rates right now.

I will be careful in inVesting in Chinese stock market though.
by maylikesun
Mon Mar 12, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 8291

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

I think the quality of students is indeed an important factor to consider cos that will directly affect your productivity. However, if you are already quite visible in the field, maybe you can also hire postdocs. In that situation, your own academic reputation and the location of the university will...
by maylikesun
Fri Mar 09, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 4378

Re: MD-Phd (Harvard) vs MSTP (School X)

Alexa9 wrote:
Fri Mar 09, 2018 10:15 am
Harvard is the #1 school in the world by many ratings. I wouldn't think about this one too long. Best students, profs, resources.
Yale #11
Hopkins #17
UCSF #18
Harvard has best resources no doubt. But the others on your list have equally best students and professors.
by maylikesun
Fri Mar 09, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 4378

Re: MD-Phd (Harvard) vs MSTP (School X)

I would advise your child to pick the school with a mentor that suits him for the MD PhD program since research is his interest. Harvard or whatever, don't get sucked in by the reputation, his job prospects will ultimately depend on his papers in the PhD portion of his training, not where his mento...
by maylikesun
Thu Mar 08, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 4378

Re: MD-Phd (Harvard) vs MSTP (School X)

I did not go to MD-PhD program myself, but I have been working in Harvard hospital labs and am familiar with PhD systems. I agree with others that you should not let finance play a role in the decision since the burden will not be too much anyway. I am not sure in Harvard, or other universities. In ...
by maylikesun
Wed Feb 21, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Another Mortgage Payoff Question
Replies: 4
Views: 367

Re: Another Mortgage Payoff Question

In general I would prefer paying off debt as soon as possible. But I will not change my asset allocation, even only temporarily. Maybe you can sell some equity and do TLH in parallel to the bond sell? In this way you pay off the debt without changing your asset allocation.
by maylikesun
Wed Feb 21, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Betterment and Individual stocks
Replies: 4
Views: 650

Re: Betterment and Individual stocks

Betterment only trades index ETFs for you. So if you have another brokerage account only trading individual stocks, even if both are taxable account, it should not trigger wash sale worries.
But trading individual stocks is anyway not recommended for BHs 8-)
by maylikesun
Fri Feb 16, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax doubts for retirement and moving to the US from Brazil
Replies: 28
Views: 2359

Re: Tax doubts for retirement and moving to the US from Brazil

We have lived in China, Italy, Germany and US. Every time when we talk about retirement, US is always at bottom of the list. Mainly because of high health care cost and education cost, even with Medicare. As immigrants ourselves, we can tell it is also not easy to get permanent residency in this cou...
by maylikesun
Sun Feb 11, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 4189

Re: Best place to exchange dollars to euros?

Local ATM will give you the best rate.
by maylikesun
Thu Jan 18, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in USD in Germany
Replies: 2
Views: 255

Re: Investing in USD in Germany

For transferring money between EUR and USD we are using Transferwise now. They have better rates than banks.
In Germany you can open Depot konto and do investment there, shares, bonds, etf, etc. I would suggest invest in the currency you will use long-term.
by maylikesun
Wed Jan 17, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: US stock market vs USD
Replies: 9
Views: 1538

Re: US stock market vs USD

well, when I moved to Europe several years ago the exchange rate was 1.35. When we moved back to US in Jan 2017 it was 1.05.
So to me the rate just went back to normal....
by maylikesun
Wed Jan 17, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 6172

Re: Car accident - was directed to sign release

Had an accident as pedestrian hit by a car. I hired a lawyer. The pain and suffering compensation was the only thing being negotiated. There is no CAP and no expiration date for medical bills.
by maylikesun
Wed Jan 17, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Travel to Rome Italy - Recommendations
Replies: 23
Views: 2149

Re: Travel to Rome Italy - Recommendations

If you don't join a guided tour, I will highly recommend getting the Roma pass. Not for the unlimited public transportation, but for the fast pass for 2 sightseeing places. You can use it for most popular places in Rome not for Vatican though.
by maylikesun
Fri Jan 12, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Men's MUST iron dress shirt recommendations
Replies: 49
Views: 5603

Re: Men's MUST iron dress shirt recommendations

recommend OLYMP and Hugo Boss.
A bit pricy but worth the money
by maylikesun
Tue Jan 09, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: So...When Will the Tencent Bubble Burst?
Replies: 13
Views: 2250

Re: So...When Will the Tencent Bubble Burst?

well,if your 90 years old grandpa is using wechat (from Tencent) everyday and both of your retired parents are shopping on taobao every the other day, I will think >50 PE is not a big problem. Their market is HUGE.
by maylikesun
Tue Dec 19, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4995

Re: "Breaking the seal" on more expensive travel

$5000 for 2 person staying in Beijing only for a week is way too expensive in my opinion. 1 week is short and just enough to go to several landmarks. Directly book a nice hotel yourself. I am sure you can still arrange the private guided tour or just arrange tickets and transportation yourself with ...
by maylikesun
Thu Dec 07, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 31
Views: 26749

Re: Is my package stuck in German customs? Now what?

Oh my DHL..... Let me share my experience with you of using DHL. We shipped only several packages using DHL from Germany to US when we relocated to US for job earlier this year. In addition, we also shipped more than 10 boxes using FEDEX. All FEDEX boxes arrived within about 1 week. Although some bo...
by maylikesun
Fri Nov 24, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Apple people: Office 365 or Apple's stuff?
Replies: 14
Views: 1388

Re: Apple people: Office 365 or Apple's stuff?

I switched to APPLE computers from PC several years ago. I am a scientist so I prepare text documents, presentations and data spreadsheets all the time. Over the course I gradually switched from MS Office Word to Pages, and from Powerpoint to Keynote. I still have MS Office installed on my Macbook, ...
by maylikesun
Tue Nov 07, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Plans
Replies: 6
Views: 716

Re: Health Insurance Plans

Sorry for the confusion. Let me rephrase it. My company withholds wages to pay for my health insurance premiums. These withheld wages are not subjected to payroll, federal, or state taxes, correct? For example: Federal tax bracket: 28% State tax bracket: 4.63% Payroll tax: 7.65% Compare the premium...
by maylikesun
Wed Oct 25, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Air China out of Dulles-- your experience?
Replies: 5
Views: 702

Re: Air China out of Dulles-- your experience?

Service and safety should not be a problem. Sometimes you will encounter an older aircraft, but mostly if you fly from Europe to China. Older aircraft actually meant larger leg room in my experience. If you are connecting in PEK, you need to figure out whether you need to take out the luggage, and t...
by maylikesun
Sat Sep 09, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor, with a side of Betterment?
Replies: 13
Views: 1548

Re: Vanguard Personal Advisor, with a side of Betterment?

I am not suggesting you anything, but just want to point out that if you do open a betterment taxable account, there is a sync external account function that they will watch over your other accounts to avoid wash sale. I personally haven't tried it though :happy I'm pretty sure that account syncing...
by maylikesun
Sat Sep 09, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor, with a side of Betterment?
Replies: 13
Views: 1548

Re: Vanguard Personal Advisor, with a side of Betterment?

I am not suggesting you anything, but just want to point out that if you do open a betterment taxable account, there is a sync external account function that they will watch over your other accounts to avoid wash sale. I personally haven't tried it though :happy
by maylikesun
Fri Aug 18, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 2326

Re: Advice on buying a musical instrument

My husband plays violin and has purchased several nice ones from a dealer friend. He told me every time the dealer would let him bring the violin back home and try at least a week before making the decision. If the dealer you talked to will not allow a longer trial period, I would suggest to rent se...