Search found 53 matches

by cap396
Tue Oct 22, 2019 10:40 am
Forum: Personal Investments
Topic: Which Type Of Order Do I Want?
Replies: 9
Views: 1005

Re: Which Type Of Order Do I Want?

AlohaJoe answered my question and it worked perfectly. Thank you.
by cap396
Mon Oct 21, 2019 9:23 pm
Forum: Personal Investments
Topic: Which Type Of Order Do I Want?
Replies: 9
Views: 1005

Re: Which Type Of Order Do I Want?

I essentially want to "transfer" shares from my taxable brokerage account to my traditional IRA account. I want to wait until the price gets up to 32.63 because then I would avoid a wash sale. I also don't want to wait until the price is above 32.63 because that would trigger capital gains, which I'...
by cap396
Mon Oct 21, 2019 8:48 pm
Forum: Personal Investments
Topic: Which Type Of Order Do I Want?
Replies: 9
Views: 1005

Which Type Of Order Do I Want?

I have SCHF in my taxable brokerage account that I want to sell when the price gets up to 32.63 (it's currently trading at 32.56). I think I would use a "limit order" to make sure it sells at this specific price, right? I also want to buy the same number of shares of SCHF in my traditional IRA accou...
by cap396
Wed Jun 05, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Schwab ATM Fee Rebate
Replies: 5
Views: 504

Re: Schwab ATM Fee Rebate

Well, we are traveling overseas and the withdrawals were in foreign currency. The ATM receipt showed the amount withdrawn in pesos but the account statement shows the amount in US dollars. If I knew the exact exchange rate on the withdrawal date then I could probably determine whether or not the fee...
by cap396
Wed Jun 05, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Schwab ATM Fee Rebate
Replies: 5
Views: 504

Re: Schwab ATM Fee Rebate

Thanks Leonidas, I just called Schwab and they said that none of the ATM withdrawals had a transaction fee, although I'm 100% sure the ATM did show a charge on the receipt. But I didn't save the receipts, so there's nothing I can do about. Fortunately it wasn't that much.
by cap396
Wed Jun 05, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Schwab ATM Fee Rebate
Replies: 5
Views: 504

Schwab ATM Fee Rebate

I usually get reimbursed for ATM fees on the last day of the month. It's now June 5 and haven't gotten the rebate for May. Is this true for others too? If not, then I'll give Schwab a call.
by cap396
Sun May 26, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15749

Re: No more print Money magazine

Will they still have a monthly digital version of the magazine, or will they now only have a website? They updated their app for reading the digital version of the magazine not too long ago.
by cap396
Fri May 03, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30491

Re: 20 countries where 200K in retirement savings will last you decades

Hello, first post here. :sharebeer I hope I'm not hijacking anything since it doesn't fall under the "countries" category but I would be interested in hearing opinions on Puerto Rico. Health care seems to be one of the downsides but most what I've read so far is fairly positive. This seems like the...
by cap396
Sat Apr 27, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30491

Re: 20 countries where 200K in retirement savings will last you decades

The world is a beautiful place, however whenever I vacation out of country, as soon as I land on US soil I take a deep breath and thank God I live here. I'd rather eat dog food in retirement while living in the US vs living like a king in one of those other countries. My experience is quite the opp...
by cap396
Wed Apr 24, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3752

Re: travel budget in retirement

flyingaway wrote:
Tue Apr 23, 2019 9:03 pm

Do you know how long will you be out to travel like that? Any exit plan?
No exit plan right now. We love what we are doing and plan to keep at it for the foreseeable future. We may eventually settle down overseas somewhere, but that is probably a long ways off.
by cap396
Tue Apr 23, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3752

Re: travel budget in retirement

I plan to read your blog in detail and applaud your approach so don't take this as negative, merely curious. Will you travel in countries that are as if not more expensive than the US (e.g. Aust/NZ, much of Europe) or does your plan by definition not include those? We pretty much have to stick to t...
by cap396
Tue Apr 23, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3752

Re: travel budget in retirement

So, if you travel for years continuously, do you have friends (not family members) in the U.S. that you may value? Do you expect to resume friendship after your travel if you will eventually come back? We keep in touch with our friends digitally (email, social media, and facetime)s. It's not the sa...
by cap396
Tue Apr 23, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3752

Re: travel budget in retirement

100%. Sell the house and all other belongings you can't bring with you in a suitcase and/or a backpack. Travel permanently. Why not? This is us. We sold everything we own and are now traveling the world full time. We're spending roughly $25,000 a year including an international health insurance pol...
by cap396
Tue Apr 23, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3752

Re: travel budget in retirement

100%. Sell the house and all other belongings you can't bring with you in a suitcase and/or a backpack. Travel permanently. Why not? This is us. We sold everything we own and are now traveling the world full time. We're spending roughly $25,000 a year including an international health insurance pol...
by cap396
Wed Mar 27, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mail receiving/Scanning services in March 2019?
Replies: 7
Views: 563

Re: Mail receiving/Scanning services in March 2019?

Yeah, there is an issue with the Patriot Act requiring a physical address for financial institutions. But I believe Escapee's went to court and won the right for their address to be considered a physical address and not just a mailing address. The address you are given looks like a real address with...
by cap396
Wed Mar 27, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mail receiving/Scanning services in March 2019?
Replies: 7
Views: 563

Re: Mail receiving/Scanning services in March 2019?

We use Escapee's mail service. It's probably not the cheapest, but we have been happy with it. You can call anytime and talk to a real person.
by cap396
Sun Mar 24, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need clarification on foreign transaction fees for international CC use
Replies: 19
Views: 1295

Re: Need clarification on foreign transaction fees for international CC use

Our Capital One card has no foreign transaction fees. When making a purchase abroad, the initial pending amount charged is sometimes a little different than the final amount billed. It must have to do with exchange rate changes between the time the purchase is made and the time the final price is se...
by cap396
Sun Mar 24, 2019 5:12 pm
Forum: Personal Investments
Topic: Price ETFs during the weekends or before the market opens?
Replies: 21
Views: 1072

Re: Price ETFs during the weekends or before the market opens?

I place market orders before the market opens for some Schwab ETFs (SCHA, SCHF, SCHX) and get the opening price, no surprises. I'm not sure if VT would be the same situation or not.
by cap396
Mon Mar 11, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: MMM on pbs newshour
Replies: 9
Views: 3055

Re: MMM on pbs newshour

Do you know if this is a replay of the same segment from a few months ago, or is this new?
by cap396
Fri Feb 15, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3606

Re: Travel to Cuba

latesaver wrote:
Fri Feb 15, 2019 5:18 pm
Has anyone been watching the news? Haiti is the last place you would want to be right now.

a friend of mine goes there yearly to do plastic surgeries on young kids (a la docs without borders). he ended up treating multiple gunshot wounds instead.
This thread is about Cuba not Haiti.
by cap396
Thu Feb 14, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: How to live well in retirement below the poverty line (not pay taxes)
Replies: 48
Views: 6844

Re: How to live well in retirement below the poverty line (not pay taxes)

• It probably depends on how "living well" is defined. • The 0% rate for capital gains and dividends goes up to $77,200 for joint filing in 2018. • The 0% rate for "regular" income (earned, interest, non-qualified distributions, Traditional to Roth rollovers) is $24,000 for joint filing in 2018. • ...
by cap396
Sun Feb 10, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3606

Re: Travel to Cuba

I believe that travel (for Americans) to Cuba is still, or again, prohibited if it is for tourism. Of course many people lie and say they are there for one of the twelve acceptable reasons. It is not illegal or prohibited as long as you follow certain criteria. You can't stay in government sponsore...
by cap396
Sun Feb 10, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3606

Re: Travel to Cuba

We visited Cuba independently about a year ago, and my parents went there on a cruise about two months ago. It was one of the best trips for both of us and loved it. Nothing to worry about if you go on cruise; they'll take care of all the paperwork and walk you through the process.
by cap396
Sat Jan 12, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: Schwab SWSXX going away
Replies: 37
Views: 3564

Re: Schwab SWSXX going away

tmcc wrote:
Sat Jan 12, 2019 7:48 pm

I bought SCHX and sold SWVXX on the same day

I was charged margin interest for the SCHX purchase until SWVXX settled.
Did you place the sell order for SWVXX after the market closed?
by cap396
Sat Jan 12, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: Schwab SWSXX going away
Replies: 37
Views: 3564

Re: Schwab SWSXX going away

The 2.29% must be the annual yield, not the monthly yield
by cap396
Sat Jan 12, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Schwab SWSXX going away
Replies: 37
Views: 3564

Re: Schwab SWSXX going away

But doesn't it depend on what you are trading? For example, doing a buy order for an ETF and a sell order for SWVXX on the same day should be okay, because ETFs settle a day later than mutual funds, right?
by cap396
Sun Jan 06, 2019 9:07 pm
Forum: Non-US Investing
Topic: International Health Plan
Replies: 3
Views: 420

Re: International Health Plan

We are using IMGlobal: https://www.imglobal.com/international- ... -insurance

I can't really comment on it (good or bad) because we haven't filed a claim. But it seems to have good reviews and we liked being able to see complete descriptions and pricing for each plan.
by cap396
Sun Jan 06, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: Where are the Brokered CDs?
Replies: 18
Views: 1843

Re: Where are the Brokered CDs?

Same seems to be true with Schwab CDs. No new issue 5-year CDs at the moment that I can find.
by cap396
Sat Dec 01, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Using VPW when I need less than the recommended withdrawal
Replies: 3
Views: 479

Re: Using VPW when I need less than the recommended withdrawal

We are using VPW and spending slightly less than the suggested withdrawal amount. We are following your first suggestion, leaving the extra invested.
by cap396
Thu Oct 25, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Rollover - Time out of market
Replies: 28
Views: 2669

Re: Rollover - Time out of market

I am thinking that I could determine the equities I want and buy them in my taxable brokerage account, when I initiate the rollover process. Once the funds are available in the IRA, I could buy the equities in the IRA, and sell them in the taxable brokerage account. Danielle This is exactly what I ...
by cap396
Fri Oct 12, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: If I retire to a State that has no State taxes...
Replies: 46
Views: 7851

Re: If I retire to a State that has no State taxes...

If I move from North Carolina to Florida and sell some mutual funds after moving to Florida, then I don't have to pay North Carolina state tax on the capital gains from selling the mutual funds even though I lived in NC for part of the year. Is that correct?
by cap396
Thu Oct 11, 2018 10:00 am
Forum: Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 648

Re: buy and sell (TLH) before opening

I posted a similar question awhile back and was warned against doing this. But I had no choice (was traveling during market hours with no internet access), so I did it anyway, and had no problem. I have made more orders before market open since (SCHA and SCHF) and have had no problems at least with ...
by cap396
Sat Oct 06, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30491

Re: 20 countries where 200K in retirement savings will last you decades

AlphaLess wrote:
Fri Oct 05, 2018 8:37 pm

I think what would add a lot more value is to have a matrix, where rows are countries and columns are important factors, and somehow rate each country.
There is a matrix like this at the bottom of this webpage: https://internationalliving.com/the-bes ... to-retire/
by cap396
Mon Oct 01, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32175

Re: Anyone want to share their monthly budget? Here's ours

Ages 46 and 44. Quit our jobs and are traveling the world (currently in South America), staying in each location for about one month. Housing: $700 (could do much cheaper, includes internet, electric, gas, etc.) Food, Misc Supplies, Clothing: $500 (varies depending on location) Sightseeing and Trave...
by cap396
Sat Aug 25, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Placing an ETF trade on the weekend
Replies: 17
Views: 1886

Placing an ETF trade on the weekend

I was going to place a “buy” order for Schwab's International ETF (SCHF) sometime over the weekend, thinking the trade would be executed at the open price when the market opens Monday morning. When I went to place the order, I noticed the estimated cost was being calculated from the “Ask Price” (34....
by cap396
Sat Jul 21, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 914
Views: 307701

Re: Variable Percentage Withdrawal (VPW)

Thank you, longinvest, that's a very clear explanation and totally makes sense to me. I know you've put a lot of work and research into all of this, and it is really benefiting me and many others.
by cap396
Tue Jul 17, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 914
Views: 307701

Re: Variable Percentage Withdrawal (VPW)

Question: On the "Table" tab of the VPW document, the Long-Term Real Growth Trends is set to 5.0% for stocks and 1.8% for bonds, and there is a note that this is based on data from Credit Suisse Global Investment Returns Yearbook 2016. When I look at the Credit Suisse Global Investment Returns Yearb...
by cap396
Sun Jul 15, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 9452

Where to get a $100 bill?

I want to get a $100 bill to give as a gift. Our bank is through Ally, so I can't just go to a branch. I'm also not comfortable asking a friend or family member to get one from their bank for me. The ATMs I have used only give out $20 bills. How else could I easily get a $100 bill?
by cap396
Tue May 29, 2018 6:27 am
Forum: Personal Investments
Topic: GOAL- early retirement in 4 years:)
Replies: 14
Views: 3511

Re: GOAL- early retirement in 4 years:)

My wife's career situation is similar to yours. We decided to do your option 3; we are going to slowly travel the world, doing some volunteering along the way. This is something we have always wanted to do, so we're not just doing it to get away from a bad job situation. If you chose one of your thr...
by cap396
Sun May 06, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 14704

Re: Retire Internationally for FIRE

We have decided to do this, ages 43 and 45, leaving to go overseas this summer. We plan to travel and volunteer in South and Central America, Southeast Asia, and Eastern Europe. We are expecting our expenses to be in the $2300 - $2500 per month range for everything (including international health in...
by cap396
Wed Jan 03, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Keep Pension Or Rollover
Replies: 8
Views: 978

Keep Pension Or Rollover

I left my job and have the option to keep my pension or roll it over to a traditional IRA as a lump sum. I've read other posts on this forum describing a similar decision, but still am not sure which option is best for my situation. Details: - The lump sum amount if rolled over now is $19,500. - The...
by cap396
Thu Jul 20, 2017 5:37 pm
Forum: Personal Investments
Topic: Please explain Capital Gains tax after retirement
Replies: 49
Views: 6210

Re: Please explain Capital Gains tax after retirement

I use Turbo Tax, and I have set up a fake return and put in phony numbers just to experiment with different capital gains situations. I just entered $150,000 in capital gains, and if that is the only source of income, Turbo Tax gives around $8000 in taxes owed. When I enter $75,000 in capital gains,...
by cap396
Thu Jul 13, 2017 2:00 pm
Forum: Personal Investments
Topic: Minimizing capital gains taxes when moving to low-cost funds?
Replies: 26
Views: 3330

Re: Minimizing capital gains taxes when moving to low-cost funds?

I'm no expert, but if you pay 15% tax on your unrealized gains, that would be $14,550. Your expenses for three years keeping your funds as-is would be $13,190. The two numbers are close, but (if my math is right), it would be slightly better to wait three years and then switch to the low-cost funds....
by cap396
Sat Jul 01, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 9375

Re: Should I move abroad to minimize health care costs?

I'd love to hear about those if you have a link. IM Global is one company that sells international policies (there are other's too). Link for a price quote: https://purchase.imglobal.com/Quote/global_medical/pre-quote?imgac=182036 Link for a summary of coverage: https://www.imglobal.com/docs/librar...
by cap396
Sat Jul 01, 2017 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 9375

Re: Should I move abroad to minimize health care costs?

If you have a few countries you are considering, I would suggest visiting one or two of them before making the move. Make sure you can see yourself living there permanently first. My wife and I are mid 40s, no kids, and are currently preparing to move overseas. Not mainly for the reduced healthcare ...
by cap396
Fri Jun 30, 2017 9:23 am
Forum: Personal Investments
Topic: Variable Withdrawal Rates
Replies: 21
Views: 2568

Re: Variable Withdrawal Rates

Thank you for everyone's replies. They have been very helpful as we make plans to move overseas. A few comments: - It may sound impossible to live on $32,000 a year, but money goes a lot further where we plan to be (Southeast Asia, Central & South America). We won't own a vehicle, have property tax,...
by cap396
Wed Jun 28, 2017 7:47 pm
Forum: Personal Investments
Topic: Variable Withdrawal Rates
Replies: 21
Views: 2568

Variable Withdrawal Rates

My wife and I would like to retire early in about two years, at the ages of 47 and 45. We are avid travelers and plan to travel and volunteer our way around the world until we are no longer able to do so, let's say around age 65. We don't have any children and are fairly frugal. We currently spend a...
by cap396
Fri Feb 15, 2013 4:06 pm
Forum: Investing - Theory, News & General
Topic: Why would an index fund pay capital gains?
Replies: 11
Views: 2156

Why would an index fund pay capital gains?

I was under the impression that an index fund is designed to be tax efficient. Yet one index fund I own, Schwab 1000 Index Fund (SNXFX), has been paying a very large amount of capital gains during the last few years. For example, in 2012, it paid $1.66 per share in capital gains, or about 4% of the ...
by cap396
Tue Oct 16, 2012 5:01 pm
Forum: Personal Investments
Topic: Sell Mutual Funds to Buy Lower Cost ETFs?
Replies: 17
Views: 2000

Re: Sell Mutual Funds to Buy Lower Cost ETFs?

Thanks to all of the people who have given me tips and advice. And grabiner, that link was exactly what I was looking for. Thank you everyone.