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Search: Posts Made By: nun
Forum: FIRE and Money 07-23-2014, 06:58 PM
Replies: 25
Views: 2,415
Posted By nun
Most VAs are to be avoided, however, if you are...

Most VAs are to be avoided, however, if you are in TIAA-CREF for retirement saving all their funds are strictly speaking Variable Annuities. They have expense ratios that are around 0.4%...not great,...
Forum: FIRE and Money 07-22-2014, 04:54 PM
Replies: 42
Views: 3,326
Posted By nun
Very few on this board would even contemplate a...

Very few on this board would even contemplate a mutual fund with an 3.2% expense ratio.



Life Insurance and variable annuities are not popular on this site because of the high fees, lack of...
Forum: FIRE and Money 07-22-2014, 03:09 PM
Replies: 42
Views: 3,326
Posted By nun
Why would the OP need any sort of life insurance...

Why would the OP need any sort of life insurance policy? Far better to avoid all the fees and manage his own accounts. If he wants some guaranteed income an SPIA might be appropriate.
Forum: FIRE and Money 07-22-2014, 06:05 AM
Replies: 42
Views: 3,326
Posted By nun
Not all annuities are the same. An quality SPIA...

Not all annuities are the same. An quality SPIA might be appropriate for a portion of the OPs income needs.
Forum: FIRE and Money 07-21-2014, 02:08 PM
Replies: 42
Views: 3,326
Posted By nun
I'm 52 and 6 months into ER. I approached income...

I'm 52 and 6 months into ER. I approached income generation by simply moving $100k from equities into a stable value fund so that I wouldn't be forced I sell in a market down turn. So far I've just...
Forum: FIRE and Money 07-10-2014, 03:20 PM
Replies: 26
Views: 1,260
Posted By nun
The status of any US financial accounts will...

The status of any US financial accounts will depend on the policies of the companies you deal with.
Forum: FIRE and Money 07-09-2014, 05:49 PM
Replies: 26
Views: 1,260
Posted By nun
Tax treaties all read pretty much the...

Tax treaties all read pretty much the same...there's a lot of boiler plate language. The most important article is right at the front and has the "saving clause" which basically says that the treaty...
Forum: FIRE and Money 07-09-2014, 04:21 PM
Replies: 41
Views: 2,019
Posted By nun
With sensible planning it isn't that difficult to...

With sensible planning it isn't that difficult to negotiate the US and UK tax systems. Owning a UK stocks and shares ISA is one of the things to avoid if you are a US resident or citizen.

US...
Forum: FIRE and Money 07-09-2014, 03:24 PM
Replies: 26
Views: 1,260
Posted By nun
If you do have assets in the US and move abroad...

If you do have assets in the US and move abroad you should check if the financial firms where you hold your assets will allow you to keep and use the account with a foreign address. You should also...
Forum: FIRE and Money 07-09-2014, 02:00 PM
Replies: 26
Views: 1,260
Posted By nun
US citizens are taxed on their worldwide income...

US citizens are taxed on their worldwide income wherever they live. The IRS allows a certain amount of foreign earned income to be excluded from US taxation or credit to be taken for foreign taxes...
Forum: FIRE and Money 07-09-2014, 09:51 AM
Replies: 26
Views: 1,260
Posted By nun
If you are a long term permanent resident and...

If you are a long term permanent resident and exceed the exit tax threshold you will have to pay the exit tax if you expatriate, it doesn't matter where you have your money. The threshold is $2M net...
Forum: FIRE and Money 07-09-2014, 05:27 AM
Replies: 26
Views: 1,260
Posted By nun
You can avoid double taxation by applying the...

You can avoid double taxation by applying the Canada/US Tax Treaty.

You should look carefully at the CA residence/domicile rules. Keeping a house there might open you up to CA state tax as well.
...
Forum: Life after FIRE 07-03-2014, 07:12 AM
Replies: 16
Views: 1,136
Posted By nun
I'm 4 months into retirement......my net worth is...

I'm 4 months into retirement......my net worth is now 5% more than when I ERed and more importantly my after tax accounts have more in them even after taking out income. In today's market it's easy...
Forum: Life after FIRE 07-02-2014, 04:56 PM
Replies: 16
Views: 1,136
Posted By nun
Congratulations. It was a good time to retire, I...

Congratulations. It was a good time to retire, I hope the next five years see similar growth in the S&P500 as the past 5 years.
Forum: FIRE and Money 07-02-2014, 04:50 PM
Replies: 81
Views: 7,456
Posted By nun
Surely the question depends on your...

Surely the question depends on your income/budget. The percentage growth of any amount with the same AA will be the same, but the ratio of that growth to your annual income will be depend on your...
Forum: FIRE and Money 06-24-2014, 08:42 PM
Replies: 7
Views: 461
Posted By nun
I think we need to be careful about the...

I think we need to be careful about the difference between a US resident and a US citizen here. A US citizen resident outside the US can buy mutual funds and stocks from local investment firms....
Forum: FIRE and Money 06-24-2014, 06:32 PM
Replies: 7
Views: 461
Posted By nun
As a US citizen or tax payer I would avoid...

As a US citizen or tax payer I would avoid foreign REITs, trusts and holding companies unless you have a specific reason for buying them and know exactly how they will be taxed in the US. You will...
Forum: FIRE and Money 06-20-2014, 03:13 PM
Replies: 35
Views: 2,509
Posted By nun
It's still a lot easier for someone like Nords or...

It's still a lot easier for someone like Nords or me who have high incomes and good benefits to save half of our income and retire early. If the yahoo piece was about someone earning $40k and...
Forum: FIRE and Money 06-20-2014, 02:44 PM
Replies: 35
Views: 2,509
Posted By nun
While I applaud Nords...and the other guy in the...

While I applaud Nords...and the other guy in the video...for doing all the right things, the "average Joe" bit of the headline is surely misleading. Having family incomes over $100k and presumably...
Forum: FIRE and Money 06-19-2014, 09:06 AM
Replies: 52
Views: 1,869
Posted By nun
In any random process there will be results at...

In any random process there will be results at either end of the distribution. Buffets continues success now has more to do with him making the market rather than any insight into future performance.
Forum: FIRE and Money 06-18-2014, 03:29 PM
Replies: 13
Views: 472
Posted By nun
Are your in-laws just Irish citizens and not US...

Are your in-laws just Irish citizens and not US citizens. If they have US citizenship they MUST NOT invest in non-US based mutual funds or ETFs.

If they are just Irish citizens looking to invest...
Forum: FIRE and Money 06-17-2014, 08:39 PM
Replies: 119
Views: 7,894
Posted By nun
Yes I read about the Commonwealth Fund's analysis...

Yes I read about the Commonwealth Fund's analysis here

NHS is the world's best healthcare system, report says | Society | The Guardian (http://www.theguardian.com/society/2014/jun/17/nhs-health)
...
Forum: FIRE and Money 06-17-2014, 12:52 PM
Replies: 119
Views: 7,894
Posted By nun
NICE's approach seems very sensible. The Hep C...

NICE's approach seems very sensible. The Hep C drug is being evaluated and questions asked about the cost....it is already substantially less expensive in Europe than in the US and maybe the cost...
Forum: FIRE and Money 06-17-2014, 09:30 AM
Replies: 119
Views: 7,894
Posted By nun
That is a good analysis. NICE has a set or...

That is a good analysis. NICE has a set or criteria that attempt to balance factors to come up with the best solution for the NHS and the majority of patients. It's part of the balancing act that...
Forum: FIRE and Money 06-17-2014, 08:00 AM
Replies: 119
Views: 7,894
Posted By nun
I would not trust s single study.

I would not trust s single study.
Showing results 1 to 25 of 3163

 
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