Well, do you have a particular investing plan you wish to pursue? Do you want to overweight or a particular sector (large cap vs small cap, intl vs domestic) ?
I would use the 9 style box method and use the morningstar x-ray tools to see where your current holding is really at compared to...
Considering historic return of the stock market exceed savings significantly, someone who have been keeping their emergency funds in term of investments for awhile, should have at least comparable amount. So I guess this would only affect those who has just recently starting out?
That's where you borrow more from other 0% CC and start praying :evil:
Seriously though, that's a lot of IF scenario. Even with drop in the IRA, you should still be able to cover significant portion of the emergency cash.
I agree for the average investor, the advice is hazardous. But for someone with enough financial savvy, it does make sense. Historically, the stock market return more than your typical interest bearing account. And in the event of getting caught in a bear market, there're other means to meet the...
That's a disaster waiting to happen if that fund in the 401K plan is a mediocre one. There're plenty of 401K plan with terrible choices. One of the advantage of IRA is complete control of the investment.
I have a distinct feeling that ROTH IRA/401K will be subject to tax one way or the other. There's already attempt by the donkey to do so in the past (Dick Gephardt).
For folks that lived in some states, traditional IRA might be more suitable than ROTH (Michigan for example).
Illegals in many states can get free healthcare and tuition, while refugee trying to reach Aussie got shipped to a 4th world piss poor island called Nauru.
Great socialist principle indeed.
Why shouldn't Aborigines enjoyed higher standard of living in Australia than where they are now? Trail of tears didn't teach you guys anything it seemed?
Well if people judge Aussies by the typical folks who lived in Perth...... suffice to say it'll be like judging USA based on what people see in Mississippi and/or Alabama.
Cost of housing is pretty expensive in the higher end due to rich folks from Sydney buying up vacation house and condos. Compared Perth to Sydney is like comparing NYC to St.Louis.
And before ridiculing the US, come and see how folks in Perth treat the Aborigines. Will open a lot of eyes on...
Partly because US has to play world police all over the world, reflective on the military budget. Aussie just have to deal with Indonesia & East Timor, and still wield very little influence.
She can either switch to F1 visa by taking classes @ the university, or use visa waiver to come and stay for a max of 3 months (no visa needed).
The 5yrs is probably the amount of time needed for him to get his USC.
Immigration law is arcane and in badly need of a reform. It punished the...
I would take an UOA at 10K miles and see how much TBN is left on that oil before going the whole 25K. 10K on Amsoil should be pretty normal and will be a good gauge. If you do go 25K miles on it, I would recommend changing the oil filter at least once during the interval.
Uhh, not necessarily. As long as he's married to an USC, he'll be able to adjust status legally without having to serve the 3-10yr ban. You'll be amazed of the sucess rate of the I-601. Still would need to leave the country first though.
Where did you get these information with regard to adjusting status for illegals? :confused:
The informate stated is only true when the alien was legally admitted to the country and overstay their visa. If the alien is of illegal status due to EWI (entered without inspection aka border...
Or they use ITIN instead. Perfectly legal for illegal to get it and use in lieu of SSN and will allow them to get the refund. Quite the irony. although there've been movement that'll allow USCIS to datamine the IRS data and check into legality status.
OP's best choice is to wait for either...
1. Wipe out any debt with greater interest rate than your liquid funds, with exception of good debt such as mortgage.
2. 6 month living expense in liquid funds (MM, CD,etc)
3. 401K till you get the max Company match.
4. Max Roth IRA
5. Back to 401K/Roth 401K.
If the main goal is balanced diversification, why not just go get one of those Fidelity Freedom/Vanguard Lifecycle funds? One fund portfolio that covers all.
You pretty much got all your egg in one basket (US Large Cap). I know the analyst are predicting large cap to make a comeback, but they've been saying that for some time now...
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