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Viewing profile - MossySF

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MossySF
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Joined: Sat Apr 07, 2007 2:03 am
Last visited: Fri Apr 22, 2011 7:08 am
Total posts: 872
[0.98% of all posts / 0.25 posts per day]
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Most active forum: Personal Finance
[ 787 Posts / 90.25% of user’s posts ]
Most active topic: Dilemma: Overseas Tax Exemption and Investment Brokers
[ 12 Posts / 1.38% of user’s posts ]

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Location: Taishan, Guangdong, China
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Website: http://personalbizfinance.com/pbf/

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MossySF Posts

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 Forum: Personal Finance   Topic: Help with IRA

 Post subject: Re: Help with IRA
Posted: Sun Feb 13, 2011 3:25 am 

Replies: 37
Views: 5872


There is a Fidelity Money Market option ... but I suspect the surrender charge will apply to it also. The key phrase is from the 2nd message: "I work for a government contractor and a portion of my wage is classified as being for health and well being. The employer has the option to give us the...

 Forum: Personal Finance   Topic: Help with IRA

 Post subject: Re: Help with IRA
Posted: Fri Feb 11, 2011 12:02 pm 

Replies: 37
Views: 5872


Another RED FLAG here... You mentioned the Calpert Funds are inside a variable annuity. In that case you need to be VERY careful of surrender charges. That is very likely to be why they are cheaper than Fidelity. Actually, I mentioned it but I should have explained more clearly. These funds have no...

 Forum: Personal Finance   Topic: RIRA when to invest questions

Posted: Fri Feb 11, 2011 9:17 am 

Replies: 29
Views: 3494


If you only have $5000 to save, then yes you could put the money in a Roth IRA and call it your emergency fund. The only trap is if you think of it as your EF, then the hurdle of taking the money out is much lower. I'd much rather cut my expenses as much as possible if my mind thinks of it as a reti...

 Forum: Personal Finance   Topic: Help with IRA

 Post subject: Re: Help with IRA
Posted: Fri Feb 11, 2011 8:53 am 

Replies: 37
Views: 5872


The stock market (for a U.S. investor) can basically be split up like so: - United States --- Large Companies --- Medium Companies --- Small Companies - The Rest of the World --- Large Companies --- Medium Companies --- Small Companies Or an international regional split: - United States --- Large Co...

 Forum: Personal Finance   Topic: Help with IRA

 Post subject: Re: Help with IRA
Posted: Thu Feb 10, 2011 11:54 am 

Replies: 37
Views: 5872


The Calvert VP funds seem ok. Even though the funds are inside a variable annuity (wasted fee/effort for a tax-deferred plan), the fees are still lower than Pimco's or Fidelity's options. If it was me, I'd concentrate on these 3 funds: Calvert VP S&P 500 Calvert VP S&P Midcap 400 Calvert VP ...

 Forum: Personal Finance   Topic: Investment advice for someone with no prior experience.

Posted: Thu Feb 10, 2011 11:41 am 

Replies: 10
Views: 2993


Vanguard has 100+ different funds. They have everything from safe to very risky. With all the choice, it can be pretty confusing so books that focus on asset allocation would probably be the best bet to understand what to pick. These two are decent books that concentrate on this subject: http://www....

 Forum: Personal Finance   Topic: Health Insurance - Pregnancy

Posted: Tue Feb 08, 2011 1:38 pm 

Replies: 26
Views: 3707


A friend (U.S. citizen) just gave birth here in China. She was able to obtain a U.S. passport for her newborn with no problems. There's only an issue if it's out-of-wedlock and only the male is a U.S. citizen. Any other variation is allowed -- U.S. mother unmarried, U.S. mother married to non-citize...

 Forum: Personal Finance   Topic: Professional Financial Plan from Mutual Fund Company

Posted: Mon Feb 07, 2011 9:12 pm 

Replies: 6
Views: 1916


The fund companies of course will recommend their own funds which means the advice is often inconsistent. The problem is they need to push their funds relatively equally because one side of the house would get upset if the other side seemingly had a preference in these financial plans. So what you m...

 Forum: Personal Finance   Topic: IRS 1099 INT form, Gift Card Question

Posted: Mon Feb 07, 2011 9:46 am 

Replies: 3
Views: 1773


You can always opt to report $0. What will happen is the IRS will see a discrepancy and send you a letter. You can then write back stating your case that TD just assumed you received and used the gift card. (You will need to talk to TD again to get something in writing.) The worse case is you pay ta...

 Forum: Personal Finance   Topic: Health Insurance - Pregnancy

Posted: Mon Feb 07, 2011 9:40 am 

Replies: 26
Views: 3707


Hmmm ... I don't know if you can even get individual health insurance if you've been living overseas. Unless you've been using a residential address in the U.S. for your banks -- then you could pretend you've been a resident the entire time. Otherwise, they're not going to let somebody pay $250/mo k...

 Forum: Personal Finance   Topic: Identity Monitor from CitiBank Question

Posted: Mon Feb 07, 2011 9:34 am 

Replies: 5
Views: 14833


I spent $30 to lock my credit at all 3 bureaus ($10 each). Good for 5 years. When I need to unlock, I can go online and get a 1-time unlock code (for creditors to use).

 Forum: Personal Finance   Topic: Professional Financial Plan from Mutual Fund Company

Posted: Mon Feb 07, 2011 9:32 am 

Replies: 6
Views: 1916


If you can understand whether a plan is good or not, you don't need the plan.

If you don't know much about investing, the plan will be in the right ballpark. Only time (and luck) will tell whether the specific details will give you another 5% bonus or a 5% negative.

 Forum: Personal Finance   Topic: Question about Lending Club investment returns?

Posted: Sat Feb 05, 2011 11:36 am 

Replies: 25
Views: 8808


You mean like these stats? http://www.mymoneyblog.com/lendingclub-default-rates-vs-loan-age-graph.html http://fred93blog.blogspot.com/2009/09/lendingclub-09012009-late-loan-stats.html http://fred93blog.blogspot.com/2009/02/lendingclub-020108-late-loan-stats.html Ok, slightly better ... like 30%-35% ...

 Forum: Personal Finance   Topic: Question about Lending Club investment returns?

Posted: Sat Feb 05, 2011 12:33 am 

Replies: 25
Views: 8808


I put $1000 into Prosper back in 2006 also. My average interest per loan was 16% but my total return after 4 years is $2.03. As you can imagine, quite a few defaults -- 9 defaults over 18 loans for a whopping 50% default rate. (4 loans were supposedly at the top credit ratings -- 3 defaulted.)
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