Search found 113 matches

by Starper
Tue Jul 16, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 7844

Re: Got robbed in London...Phone stolen...what else do I need to do?

Sorry it happened to you. Next time if you travel to a third world country you should be more careful.
by Starper
Tue Jul 02, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Estimated SS and Windfall Elimination Provision
Replies: 17
Views: 1442

Re: Estimated SS and Windfall Elimination Provision

How does timing of pensions affect WEP? For example, I have a small corporate pension from another country which would affect WEP if I recieved it concurrently with social security. However, I have an option to take a lump sum at age 65 instead if receiving this pension. If I take a lump seat 65 and...
by Starper
Tue Jun 25, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16561

Re: what was your worst major purchase mine is a 2019 mazda3

\ No. I put the ex through school, often working 2 jobs while in school myself. She didn't earn a penny during our 5yrs of marriage. Wow. Does she at least give you free dental care? I honestly don't know (and don't care) if she is practicing. This is exactly why I suggest people pause when they wa...
by Starper
Wed Mar 13, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: U.S. Expats - What To Be Aware Of Tax Wise
Replies: 17
Views: 1699

Re: U.S. Expats - What To Be Aware Of Tax Wise

A FBAR form is filled out online and takes a few minutes. No need to kerp deposit amount low to avoid filling it out.
by Starper
Mon Feb 18, 2019 5:09 pm
Forum: Personal Investments
Topic: 2019 I-Bonds Purchase Now Or Wait For New Rates
Replies: 14
Views: 2382

Re: 2019 I-Bonds Purchase Now Or Wait For New Rates

HueyLD wrote:
Thu Jan 24, 2019 7:55 am
January 31 is coming soon. Remember to do it a couple of days before month end so that you don’t miss the January deadline.
I'm sorry, what January deadline are you referring to?
by Starper
Thu Feb 07, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 260460

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Great post.

OP, you mentioned that you trade futures and use Roth Ira to avoid negative tax consequences.

Could you elaborate on that a little? Which Roth Ira provider? What's your strategy? How much money do you need in Roth Ira for this strategy to make sense?
by Starper
Mon Jan 28, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9190

Re: No Children, what will your legacy be?

ahnathan wrote:
Fri Jan 25, 2019 6:01 am
I am available for donations.
Me too, Ill be next in line.
by Starper
Wed Dec 12, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740553

Re: What's Your Credit Card Rewards Strategy?

^Which awards did you use to buy Cathay Pacific 1st and business class between the US and HK?

I use AAdvantage miles for this route with Cathay, but they only have economy class seats available and even for that I need to call American airlines because the web site doesn't show availability.
by Starper
Wed Oct 24, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 51
Views: 6132

Re: Dental Mishap

I would seek legal advice. It would take me much less than that to sue a dentist.
by Starper
Fri Aug 10, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 106
Views: 12788

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Turkey has never been a member of the EU and is very unlikely to become one in the near future. Why is such a small country/market having such a disproportionate effect on the US stock market today? I’m not doing anything with my investments but it baffles me why events like this are so (temporarily...
by Starper
Fri Jun 01, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Credit card question - get Uber's new 4%er?
Replies: 60
Views: 9325

Re: Credit card question - get Uber's new 4%er?

For the uber card, how accurately does it categorize foreign restaurants and hotels to be eligible for bonus? Especially smaller ones. Also if you use a website like hotels.com to book a hotel, do you still get a bonus?
by Starper
Sat May 19, 2018 11:19 am
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11349

Re: Series I Bonds in April/May 2018

You will not get a 1099 until you redeem. You won't get interest payments, the value will just accumulate in the bond itself. So the deferral is automatic. If you redeem a bond to buy one with a higher fixed rate, you can not "roll over." You will pay tax on the bond that you redeemed. You will als...
by Starper
Sat May 19, 2018 10:24 am
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11349

Re: Series I Bonds in April/May 2018

Quick question. I bought $10K's worth of i series bonds a few days ago via Treasury Direct website for the first time. I am currently in a high tax bracket and would like to defer taxes payable on interest until I retire and switch to a lower tax bracket (ideally zero). I'll just use the i-bonds as ...
by Starper
Thu May 17, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 34
Views: 3669

Re: any disadvantages to using Delta Skymiles for fare?

Which airline did you use to book tickets with delta miles from the US to Manila?

Fid you have to call delta or use the website?
by Starper
Fri May 04, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 1200

Re: Permanent Address for banking

Any particular remote mailbox services I should consider for banking and personal finance? I have heard of traveling mailbox, for example.
by Starper
Tue Apr 10, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Citi Thank You points -> Jet Blue, special offer, take it?
Replies: 5
Views: 747

Re: Citi Thank You points -> Jet Blue, special offer, take it?

I am also considering it though JetBlue points are worth much less now than they used to.
by Starper
Fri Apr 06, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Would you change approach if no kids, no family?
Replies: 15
Views: 2273

Re: Would you change approach if no kids, no family?

I am in a similar situation but don't have my own business.

As a single guy you can take more risks including moving to a new place, taking career breaks and starting new business ventures.
by Starper
Wed Apr 04, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 8299

Re: Want/need some income in semi-retirement

Teach English online?
by Starper
Wed Mar 21, 2018 8:54 pm
Forum: US Chapters
Topic: New York City Local Chapter established
Replies: 241
Views: 76606

Re: New York City Local Chapter established

I am interested in joining, not sure I'll make it to tomorrow meetup but maybe the one after that.
by Starper
Mon Mar 19, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 16545

Re: Large life style creep that was completely worth it

Buying lunch instead of making my own. I only brought lunch to work about 20-30 times in my whole life as far as I remember. Right now, I spend about 2K per year on lunches at work. Worth every dollar. I almost always cook my breakfast and dinner, though. International trips. I always liked to trave...
by Starper
Mon Mar 19, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 14987

Re: Can I Retire at 38?

Yes, you can retire. Don't listen to naysayers.
by Starper
Sat Mar 03, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering Taxable Income
Replies: 40
Views: 3709

Re: Lowering Taxable Income

If you are single & "covered" by a retirement plan at work, the ability to contribute to a tax deductible IRA (2018) starts to phase out @ $63k & totally phases out @ $73k of modified adjusted gross income (MAGI). The $189k-$199k figure is the modified adjusted gross income (MAGI) limits for a marr...
by Starper
Sat Mar 03, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering Taxable Income
Replies: 40
Views: 3709

Re: Lowering Taxable Income

Spousal IRA? Tax Filing Status: Married Filing Jointly (spouse has an employer's plan) 2018 Traditional IRA Full Deduction AGI Limit: $189,000 Phase-Out Limit: $199,000 Isn't traditional IRA full deduction limit 119K for a 2 person household? https://www.fidelity.com/retirement-ira/contribution-lim...
by Starper
Sat Mar 03, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering Taxable Income
Replies: 40
Views: 3709

Re: Lowering Taxable Income

Spousal IRA? Tax Filing Status: Married Filing Jointly (spouse has an employer's plan) 2018 Traditional IRA Full Deduction AGI Limit: $189,000 Phase-Out Limit: $199,000 Isn't traditional IRA full deduction limit 119K for a 2 person household? https://www.fidelity.com/retirement-ira/contribution-lim...
by Starper
Sat Mar 03, 2018 7:43 pm
Forum: Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7335

Re: 25YR old with considerable amount of cash

I am sorry for your loss. If I were you I would take a step back and ask myself what I want to achieve in life. In your position, I would invest in in something like 50% Total US Stocks 30% Total International Stocks 20% bonds + emergency fund cash. All Vanguard, admiral funds. Then I would travel a...
by Starper
Wed Feb 14, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 2106

Re: Using cFiresim

You are not likely to pay any capital gains tax on this level of investment income.
by Starper
Mon Feb 05, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: New Payroll Withholding: Out of State NY / NJ
Replies: 13
Views: 923

Re: New Payroll Withholding: Out of State NY / NJ

Op, was NJ tax witheld from your salary or bonus or both?
by Starper
Mon Feb 05, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: New Payroll Withholding: Out of State NY / NJ
Replies: 13
Views: 923

Re: New Payroll Withholding: Out of State NY / NJ

I noticed the same thing. Not sure what's going on.
by Starper
Wed Jan 24, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 13838

Re: Anyone feel like talking "R"

For a sas user, does it make more sense to start learning python or R?
by Starper
Wed Jan 24, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 6172

Re: Which tropical Island to Retire to ?

Bali, Ko Phuket, Ko Samui, Ko Chang, Boracay, Bohol. To name a few.
by Starper
Tue Oct 17, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 6601

Re: Best way to make some dollars on a 10 day vacation?

I know people who rent out their home via AirBNB when they go on vacation. I was going to say the same...if you live near NYC then this would be easy. It could also pay for your vacation! How do you technically rent your place on airbnb while traveling? Let's ignore potential problems with landlord...
by Starper
Mon Jul 24, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 64
Views: 7116

Re: What's you safety deposit box fee?

Is there a way to get a safety deposit box with an option to have the bank mail me the contents to another country? For example, if I start traveling long term but want to keep some of my documents safe. No gold or cash or anything like that, just documents.
by Starper
Tue Apr 18, 2017 9:53 pm
Forum: Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 2564

Re: Which bond funds/ETFs should I add to my portfolio?

Another question: if I invest in Exempt Fund Investor Shares (VWITX), for example, and then reach the minimum amount to qualify for Admiral version (50K for this fund), will the fund automatically switch to Admiral or will I have to sell it and buy Admiral to lower the expense ratio?
by Starper
Tue Apr 18, 2017 9:41 pm
Forum: Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 2564

Re: Which bond funds/ETFs should I add to my portfolio?

Any advice on TIPS? For US bonds, I am considering either TIPS or BND or a combination of both. In my opinion TIPS are not needed. Are you exposed to unexpected inflation? I don't think I am more exposed to unexpected inflation than the average person. As far as I understand, TIPS are still taxable...
by Starper
Tue Apr 18, 2017 8:35 pm
Forum: Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 2564

Re: Which bond funds/ETFs should I add to my portfolio?

Any advice on TIPS?

For US bonds, I am considering either TIPS or BND or a combination of both.
by Starper
Thu Apr 13, 2017 9:10 pm
Forum: Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 2564

Re: Which bond funds/ETFs should I add to my portfolio?

Thanks everybody for the advice. In by ROTH IRA, I have US Equity (high dividend yield) and REIT funds which did quite well over time. I am considering selling some of these funds and buying bond funds instead. -Do I understand correctly that selling the funds within ROTH IRA will not trigger any ca...
by Starper
Wed Apr 12, 2017 10:15 pm
Forum: Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 2564

Re: Which bond funds/ETFs should I add to my portfolio?

Regarding emerging markets government bonds, any thoughts about this one? https://personal.vanguard.com/us/funds/snapshot?FundId=3820&FundIntExt=INT Vanguard Emerging Markets Government Bond ETF (VWOB) ER 0.32% Attempts to track the performance of Bloomberg Barclays USD Emerging Markets Government R...
by Starper
Wed Apr 12, 2017 9:57 pm
Forum: Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 2564

Re: Which bond funds/ETFs should I add to my portfolio?

Thanks... another question. I can sell off some of the assets within ROTH IRA (for example, alternatives - REIT) and buy bond funds. Alternatively, I can add bond funds to my taxable investment account. I can also do a combination of both. Which option is better? I'm currently working, so I'm in a r...
by Starper
Wed Apr 12, 2017 9:38 pm
Forum: Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 2564

Which bond funds/ETFs should I add to my portfolio?

A quick question about Bond index funds/ETFs. I am trying to find bond ETFs to increase the bond component of my portfolio in order to: -de-risk my portfolio -avoid sequence of returns risk as I approach ER (so called "bond tent") Current asset allocation: Cash 0.76% Intl Bonds 0.24% (insignificant ...
by Starper
Thu Apr 06, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 2891

Re: HDHP's - Does your employer offer them?

How can you tell if your employer offers a high deductible health plan? For example, my employer offers a plan with a high deductible (over 3K for me I believe), but doesn't offer HSA for some reason. Does it mean that I can invest in a 3rd party HSA myself?
by Starper
Sun Apr 02, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: FreedomPop Mobile Phone & Internet Service
Replies: 6
Views: 994

Re: FreedomPop Mobile Phone & Internet Service

I'm in my third moth of using Freedompop. I have one LTE Sim in a Motorola Moto G4 and 2 3G 'Global SIM' cards in a Kata phone (both phones purchased through Amazon and previously used a Tmobile sim.). The LTE card works on the ATT network, the 3G sims on Tmobile. (If you purchase Freedompop phones...
by Starper
Sun Apr 02, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Since robots are cheaper than humans expect smart beta to beat the indices
Replies: 11
Views: 2224

Re: Since robots are cheaper than humans expect smart beta to beat the indices

The Bloomberg article compares S&P500, active management and value strategy. Now compare that with a simple quantitative value strategy compiled by Dartmouth professor Ken French that selects the cheapest 30 percent of U.S. stocks by price-to-book ratio and equally weights among them. That strategy ...
by Starper
Sun Oct 02, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on HSA - invested after-tax money by mistake
Replies: 3
Views: 505

Need advice on HSA - invested after-tax money by mistake

I had an HSA account with a previous employer and was contributing money to it before tax every month through payroll deductions. When I left the company, I had about $1000 left to contribute in 2016 as per HSA contribution limit. I was too busy with changing jobs and everything, so didn't think it ...
by Starper
Sun Jul 24, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 33105

Re: Evicting a tenant-Hire lawyer?

I did get somewhat of a break on Friday. I spoke with the police regarding the situation and decided to press charges. They said it's going to be very difficult to get the breaking and entering charge to stick, however, it will not be hard to convict her of check fraud. The police said to mail the ...
by Starper
Wed Jun 15, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: let go with 2 days notice
Replies: 28
Views: 5338

Re: let go with 2 days notice

Always remember when dealing with Human Resources departments/personnel that their primary job is to protect the company not you. They may want you to think they're helping you but in the final analysis usually they're usually not. That is a good rule of thumb. That said if helping you helps the co...
by Starper
Wed May 18, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 8313

Re: Pride in no inheritance to kids?

Carefreeap wrote: Mom died with a negative estate of -$400,000. .
How exactly did she end up with a negative estate of -400K? Just curious.
by Starper
Sun May 08, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 18639

Re: Sci-Fi ... your favorite movies and episodes??

I like sci fi and dislike fantasy, such as vampires, comic book characters, etc.

I watched The 100 recently (a series). While it's not the most "serious" sci fi series, it's not too bad. At least the story is plausible.
by Starper
Sun May 08, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 85
Views: 10803

Re: Has your workplace transitioned to "open/collaborative space?"

...and lots of millennials doing work with headphones on. My thought was that it's the new, hip, cool thing that looks just like the soul killing open bull pen kind of setup that would have me updating my resume. There does seem to be an element of truth that it appeals to millennials, but I'd bet ...
by Starper
Sat May 07, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Frequent Flyer Miles - taxable?
Replies: 21
Views: 3141

Re: Frequent Flyer Miles - taxable?

If i have to pay taxes on credit card rewards, can I also claim a tax deduction on credit card swipe fees that are added to the price of everything I buy?
by Starper
Thu Apr 28, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 12766

Re: Are females just not interested in investing in general or is it just the women that I date?

Stay the course and don't jump into a marriage, especially with someone who is not interested in saving and investing.