Ph.D. in Mathematics, Purdue University
M.S. in Computer Science, Purdue University
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Tax Planning: Measuring Tax Inefficiencies of Index ETFs and Investment Accounts,
Kindle Direct Publishing, 2025-01-05, ISBN: 9798304806473.
Index ETFs (exchange-traded funds) are famous for their low cost. They are also promoted as being tax efficient. Indeed, they are typically more tax-efficient than their mutual fund counterparts. But the questions are: Are they generally tax-efficient? How should one measure the tax inefficiencies of index ETFs for a typical investor? How do index ETFs in a taxable account compare to other investment accounts on an after-tax and after-cost basis?
This book aims to provide a comprehensive and quantitative analysis of some representative index ETFs, based on various income and capital gains tax rates for investors in the United States. It also tries to address some fundamental issues in tax planning using data-driven analysis. There are different kinds of accounts that may be used for tax-advantaged investment, such as pretax IRA (individual retirement account) and 401k, Roth IRA and 401k, HSA (health savings account), cash value life insurance, and taxable brokerage accounts. Which one is better, under what circumstances? How should one quantify the criteria under which one account is better than another on an after-tax and after-cost basis? This book answers these questions quantitatively, with mathematical rigor and data analysis.
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- Retirement Planning: 401k vs Roth 401k, IRA vs Roth IRA,
Outskirts Press, Denver, Colorado, 2020.
Quantitative Analysis of 401(k) vs Roth 401(k), IRA vs Roth IRA, and Roth Conversion.
This book aims to provide a comprehensive analysis, with data simulations, of:
1) when investing in a Roth 401(k) or Roth IRA would be a better choice than investing in a
traditional pretax 401(k) or IRA; 2) when a Roth conversion would be beneficial to an investor.
The hope is that an investor can utilize the formulas and data contained in this book when making strategic
decisions on choosing between a Roth 401(k) and pretax 401(k) or between a Roth IRA and traditional IRA,
or deciding whether to do a Roth conversion.
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- Java Persistence with JPA 2.1, Outskirts Press, Denver, Colorado, 2013.
The goal of this book is to provide a concise and comprehensive coverage of Java Persistence API 2.1, which is part of Java EE 7 but can be used in Java SE as well. Concepts are illustrated through code examples for easy understanding. It may serve as an introductory text for Java developers who do not know anything about JPA, and a reference book for experienced JPA developers who may look up for concepts and code snippets while they develop complex JPA applications.
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- Java Persistence with JPA, Outskirts Press, Denver, Colorado, 2010.
Concise and complete coverage of Java Persistence API 2.0 with code examples, design patterns, and performance tuning tips. It is Java EE 6.0 compliant, but can be used in Java SE 5.0 and Java EE 5.0 or later. It is written for Java developers and architects to learn everything about JPA and use it as a reference book.
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- C++ and Object Oriented Numeric Computing for Scientists and Engineers,
Springer-Verlag, New York, 2001 (paperback 2012; Chinese translation 2002).
Concise and complete coverage of ANSI/ISO C++, with special emphasis on object-oriented numeric computing through numerical algorithms and code examples