Search found 910 matches

by dgdevil
Tue Jun 02, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Citizenship and Social Security
Replies: 7
Views: 839

Re: Citizenship and Social Security

You might get insights here:

http://www.financialwisdomforum.org/

Relinquishing US citizenship is an expensive PITA and may be even harder/costlier by the time you retire. I'm not sure it's common among people in your situation.
by dgdevil
Tue Jun 02, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Starting later in life... should I buy a home?
Replies: 15
Views: 1501

Re: Starting later in life... should I buy a home?

I would go with a 2 bdr condo, which of course raises your price range. A 2 bdr condo costs about 100K more than a 1 bdr. Does it really make sense to tie up another 100K for that second bedroom I'd love to have but don't really need? Better resale? But you'd have to do the math to weigh the pros v...
by dgdevil
Tue Jun 02, 2015 1:00 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 262
Views: 34373

Re: Warning Signs

jimkinny wrote:Pretty much a waste of time. There may be something, maybe not, maybe years, maybe days.

Jim


[OT comment remove by admin LadyGeek]
by dgdevil
Tue Jun 02, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 262
Views: 34373

Re: Warning Signs

Clearly_Irrational wrote:North American rail traffic is declining.


Definitely an orange light. Transport stocks are weak ... XTN, the transports ETF ... Thanks for your insights.
by dgdevil
Tue Jun 02, 2015 3:31 am
Forum: Personal Finance (Not Investing)
Topic: Starting later in life... should I buy a home?
Replies: 15
Views: 1501

Re: Starting later in life... should I buy a home?

Stability/homeownership is over-rated these days, and I'm not even sure it's accurate. It can be a real ball-and-chain. How about the benefits of flexibility/renting? You seem to have a pretty good thing - decent savings, good cash flow, no obligations (marital or financial). A lot of people here wi...
by dgdevil
Tue Jun 02, 2015 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 112
Views: 14507

Re: Can my husband retire yet?

You could both retire to the Philippines tomorrow, live like royalty and have as many babies (and nannies, I assume) as you want:

http://www.wsj.com/articles/best-places ... 1432827258
by dgdevil
Mon Jun 01, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10384

Re: Perpetual Travelling

Another resource: Albert Brooks' Lost in America. And the Hostel films.
by dgdevil
Mon Jun 01, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 112
Views: 14507

Re: Can my husband retire yet?

Here is a write-up suitable for this thread in The Economist: http://www.economist.com/news/leaders/21652323-blue-collar-men-rich-countries-are-trouble-they-must-learn-adapt-weaker-sex All folks following this thread (especially OP and respondents) should read the article. It ends with these two se...
by dgdevil
Sun May 31, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: good vacuum cleaner for up to $200?
Replies: 26
Views: 2344

Re: good vacuum cleaner for up to $200?

Don't buy the Hoover Widepath Tempo, which was - and maybe still is - a CR favorite for some time. It is very heavy and doesn't pick up anything. I canceled my CR subscription as a result. Sadly I am stuck with it because I bought a ton of filter bags.
by dgdevil
Sun May 31, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: suggestions for sydney, cairns, and auckland
Replies: 21
Views: 1626

Re: suggestions for sydney, cairns, and auckland

@livesoft: I'm not much of a beach/restaurant person myself, so you raise an interesting point about cities in general. If you have done Sydney 101, and have a few days, maybe your next trip can involve a rental car and a drive to the Blue Mountains (100 km to the west), or down the Princes Highway ...
by dgdevil
Sun May 31, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: suggestions for sydney, cairns, and auckland
Replies: 21
Views: 1626

Re: suggestions for sydney, cairns, and aukland

Auckland - NOT Aukland - is pretty blah. I mention the correct spelling because at least one person thought he was going to Oakland and ended up in Auckland. The Sky Tower is horribly generic, just like any other sky tower or tall building. And it completely ruins the skyline. The Maritime Museum is...
by dgdevil
Sun May 31, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Selling Niche Items on Amazon.com?
Replies: 6
Views: 1044

Re: Selling Niche Items on Amazon.com?

If you are talking collectibles, then you need do some due diligence on the postage costs - certified mail, signature confirmation, etc., as mentioned above. Go to the Post Office with your stuff all wrapped (the wrapping adds preciou$ weight), and get some hard prices. Otherwise you end up taking a...
by dgdevil
Sun May 31, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10384

Re: Perpetual Travelling

Not sure if 1-2 years counts as "perpetual." More like a sabbatical. This couple has a fascinating blog: http://www.nytimes.com/2015/02/26/garden/retirement-plan-an-airbnb-travel-adventure.html And this couple is evidently monetizing its nomadic lifestyle: http://www.wsj.com/articles/SB100...
by dgdevil
Sun May 31, 2015 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Schengen Visa Travel Health insurance
Replies: 8
Views: 814

Re: Schengen Visa Travel Health insurance

OP, that is not an official web site, by the way. Inexpensive travel insurance is easily obtainable in USA for foreign travels - Travelguard or Nomads, for example. To follow up on the theme raised by others, lots of Americans actually do medical to tourism to places like Austria, for procedures lik...
by dgdevil
Sat May 30, 2015 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Leaving a Company
Replies: 44
Views: 4910

Re: Leaving a Company

Make sure you have exhausted your FSA, if you have one.
by dgdevil
Fri May 29, 2015 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 112
Views: 14507

Re: Can my husband retire yet?

My husband isn't interested being a stay at home dad. The children are still going to daycare even though he is home. He likes to mow the lawn, cutting trees, take the garbage out but that's it. He is not good being with kids 10 hours a day. He is so cranky if he is home with them more than 10 hour...
by dgdevil
Fri May 29, 2015 6:01 pm
Forum: Personal Consumer Issues
Topic: Planning a wedding in Long Island NY
Replies: 14
Views: 1475

Re: Planning a wedding in Long Island NY

I have heard over and over that the one aspect you don't skimp on is the wedding photographer.
by dgdevil
Wed May 27, 2015 12:19 am
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 7114

Re: Should I shorten my last name?

16 letters? We're dying to know what it is. Pity we can't have a poll offering suggestions. PS I worked with a guy whose Baltic last name is 11 letters with some silent letters among them. It was torture - for me - overhearing him on the phone leaving his name. So yes, do it.
by dgdevil
Tue May 26, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7611

Re: Once in a life time trip.

I appreciate all the ideas so far, please keep them coming. We thought about Cook islands. What do you guys think? I was there in 1990. Pretty, but a long way to go to sit on a beach. I doubt they will be interested in pearls. On the other hand they may be thrilled to learn about tax-evasion opport...
by dgdevil
Tue May 26, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7611

Re: Once in a life time trip.

HomerJ wrote:
dgdevil wrote:North Korea is a good idea.


Heh, and if they get kidnapped as "enemies of the state", then it really will be a "lifetime trip", I mean "trip of a lifetime"


You took my quote of context, but I am happy to have provided you with some modest mirth.
by dgdevil
Tue May 26, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7611

Re: Once in a life time trip.

North Korea is a good idea. You take 'em to the DMZ, they can put their feet into North Korean space, and you explain how they are in 2 countries at once. How memorable is that for an 8-year-old? And the rest of the trip they are in South Korea, which is totally mindblowing and alien - different alp...
by dgdevil
Sat May 23, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 2370

Re: Day trips from Berlin?

Thank Aerosmith's Joe Perry for the Alter Krug tip:

https://twitter.com/JoePerry/status/475505830025248768
by dgdevil
Sat May 23, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2016 Premium Increases some 36%
Replies: 40
Views: 3203

Re: ObamaCare 2016 Premium Increases some 36%

With prices like this, I guess you can't blame the young, healthy folks for not showing up.
by dgdevil
Fri May 22, 2015 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 95
Views: 11786

Re: Friends/Family that don't invest!

I remember back in 2008, before I joined the government, reading forums such as the "TSP Talk" forum, and feeling the conviction seething off the screen as some people proudly declared that they had moved all of their TSP money into the G Fund because "it was the only thing making mo...
by dgdevil
Fri May 22, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 2370

Re: Day trips from Berlin?

I am lucky to be close to the Berlin Zoo station, so the trip to Potsdam on an inter-city RE train is only 18 minutes. They run every 30 minutes. A day train pass is 7.40 Euros. You must be super-close to the Helmut Newton museum, which is 2 mins. walk from the station. Also, if you are jonesing fo...
by dgdevil
Fri May 22, 2015 7:53 pm
Forum: Investing - Theory, News & General
Topic: Any Good Investing Publications or Newsletters?
Replies: 13
Views: 1755

Re: Any Good Investing Publications or Newsletters?

Another vote for Jim Stack at Investech. Not sure he was predicting a downturn in 2012-2013. He has generally been cautiously bullish, giving the market the benefit of the doubt.
by dgdevil
Fri May 22, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 95
Views: 11786

Re: Friends/Family that don't invest!

I would never buy someone a book about investing - especially after they had just graduated. It would be like someone buying me a book about diet, or basic home or car maintenance. I would toss it. Maybe a cautionary tale from a newspaper would be more easily digestible and current.
by dgdevil
Wed May 20, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: No heirs. Suggestions for Setting up a Charitable Legacy?
Replies: 6
Views: 670

Re: No heirs. Suggestions for Setting up a Charitable Legacy?

Usual cautionary tales, with the collusion of the courts: the New York opera ¨ransacked¨ its endowment by selling all its shares at the bottom of the market in 2008. http://www.nytimes.com/2013/10/12/business/ransacking-the-endowment-at-new-york-city-opera.html And a Berkshire Hathaway couple's $135...
by dgdevil
Tue May 19, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 1966

Re: Maybe I shouldn't buy a house?

Haven't we been here before, as recently as Saturday?

viewtopic.php?f=2&t=165861&p=2492710#p2492710
by dgdevil
Tue May 19, 2015 12:20 am
Forum: Personal Consumer Issues
Topic: Huge Problem With First Home
Replies: 28
Views: 5337

Re: Huge Problem With First Home

What curmudgeon said: termites, mold - two words that contractors know homeowners don't want to hear, and they'll give you some well-rehearsed scare stories. Don't do anything rash yet. I had a similar situation, so ripped into a wall on a contractor's advice. There was nothing wrong with it. But do...
by dgdevil
Mon May 18, 2015 11:01 pm
Forum: Investing - Theory, News & General
Topic: "Years of Overlooked Red Flags Catch Up to Stockbroker"
Replies: 12
Views: 2336

Re: "Years of Overlooked Red Flags Catch Up to Stockbroker"

All industry groups are like that, healthcare, lawyers - they look after their own. And we are on our own: There are few things harder to accomplish in the U.S. than getting disbarred. According to a study conducted by the American Bar Assn., 1,046 lawyers were disbarred in 2011 — that's less than 0...
by dgdevil
Mon May 18, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 5326

Re: Any experience with plasma donation to boost income?

You would be taxed as self-employed, but you could deduct transportation, etc. Is your daughter interested? It's worth a shot, and she would be doing a great service to society. Also makes for great dinner-table conversation.
by dgdevil
Mon May 18, 2015 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 5326

Re: Any experience with plasma donation to boost income?

"Already, healthy people can donate blood, sperm, and eggs, but now the nonprofit OpenBiome offers donors $40 for bowel movements — to supply “fecal transplants” for patients with nasty C. difficile bacterial infections. (“Healthy” contents are transplanted into the infected gut via endoscope ...
by dgdevil
Mon May 18, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 27
Views: 2125

Re: Jobs for Retired Air Force (without degree)

Friend of a friend would be advised to ask directly, otherwise the good folks here are flying blind.
by dgdevil
Mon May 18, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1538

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

This is why Deloittes, KPMG charge the outrageous bucks. Anyway, if this becomes commonplace, it is less incentive to do Roth conversions.
by dgdevil
Mon May 18, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1538

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

Same boat as you. In this case is there a distinction between US citizen and US tax resident?
by dgdevil
Mon May 18, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1538

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

euroman wrote:
111 wrote:Interesting. I'm living in Portugal right now and, though I'm moving this summer, it is definitely on the list of places I will consider retiring to in like 20years.


If you are or have been resident in Portugal, you are not allowed anymore to use the NHR scheme.


111 will be OK after 5 years, no?
by dgdevil
Sun May 17, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1538

Become Portugal tax resident ... pay no tax on US pension income for 10 years?

Is anyone familiar with Portugal's non-habitual resident (NHR) scheme, which gives big tax breaks to tax residents for 10 years? As far as I can tell, withdrawals from IRAs, 401(k)s, etc would be completely tax-free in both countries. Under the longstanding tax agreement between USA and Portugal, pr...
by dgdevil
Sun May 17, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 1966

Re: Should I Buy a House?

The drums will likely still be an issue in your new home. Maybe rent time/space at a rehearsal studio or storage unit? The house could be a millstone if you decide to follow your muse, ditch the job, and hit the road as a full-time rock star.
by dgdevil
Sun May 17, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 19
Views: 1533

Re: Which online banks accept incoming wires (and are generally good).

Are you talking incoming foreign or domestic wire? I believe some banks that claim to offer fee-free incoming foreign wires must go through an intermediary with a Swift code, and their fee will be passed on to you. Ally, possibly, according to discussions on Fatwallet.
by dgdevil
Sun May 17, 2015 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Divorce and Marriage
Replies: 21
Views: 2782

Re: Divorce and Marriage

Health Issues - I run into girls that have aches and pains already in their 20's. That sounds like it would lead to problems that I would rather avoid. Interesting observation. Care to expand? Overdoing it at yoga, or the polite Gen-Y equivalent of ¨Not tonight, I have a headache.¨ My wife - your a...
by dgdevil
Sat May 16, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Pop Music Education (and Dancing) with a Toddler
Replies: 12
Views: 1144

Re: Pop Music Education (and Dancing) with a Toddler

Blimey! That's a far cry from Basil Brush and the Disney storybooks w/7" single. Anything with a strong rhythm track, ie everything from the disco era - Bee Gees, Heatwave (Boogie Nights), Donna Summer, even KISS. Mind you, I think my favorite 'pop' song as a wee nipper was David Bowie's Laughi...
by dgdevil
Fri May 15, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 4471

Re: Blues (music)

The average life expectancy of a black male of his generation is about 47. He outlived all his peers - Muddy Waters (70), Howlin' Wolf (65), John Lee Hooker (83), Willie Dixon (76). So every day in recent decades was a gift - especially to us. He played everywhere all the time, so there was no excus...
by dgdevil
Fri May 15, 2015 6:03 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 5676

Re: Too late to invest in Health Care Fund?

Thanks for this information! I have a stupid question. Do you know if I buy some shares now if I can increase my position in the future? That's what closed to new investors means, right? If I invest with a non-tax-deferred account, can I invest from my tax-deferred ones in the future? Essentially, ...
by dgdevil
Fri May 15, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 7005

Re: Am I a Millionaire???

Being a millionaire ain't what it used to be. When Marilyn Monroe starred in the film "How to Marry a Millionaire" in 1953, and the old TV series "Millionaire" was on the air during the "Golden Age of Television" in 1955-1960 THAT's when being a millionaire was really ...
by dgdevil
Fri May 15, 2015 3:25 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 5676

Re: Too late to invest in Health Care Fund?

FWIW, the T. Rowe Price health sciences fund (up 16% ytd vs 12.75% for VGHCX) is closing to new investors on June 1. Thanks for this information! I have a stupid question. Do you know if I buy some shares now if I can increase my position in the future? That's what closed to new investors means, ri...
by dgdevil
Fri May 15, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 5676

Re: Too late to invest in Health Care Fund?

The healthcare boom is not all about ageing boomers and their medication needs. Vertex is near approval for a wonder drug for cystic fibrosis, whose sufferers - by definition (sadly) - are not boomers. This will save hundreds of thousands of young lives. Gilead's controversial hepatitis C drug, agai...
by dgdevil
Fri May 15, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 5676

Re: Too late to invest in Health Care Fund?

FWIW, the T. Rowe Price health sciences fund (up 16% ytd vs 12.75% for VGHCX) is closing to new investors on June 1. PRHSX's expense ratio is .77 to VGHAX .3 They better outperform VGHAX to make it worth it :) I don't care about ER at this level of performance. Anyway, PRHSX appears to kill VGHAX b...
by dgdevil
Fri May 15, 2015 11:44 am
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 5676

Re: Too late to invest in Health Care Fund?

FWIW, the T. Rowe Price health sciences fund (up 16% ytd vs 12.75% for VGHCX) is closing to new investors on June 1.
by dgdevil
Fri May 15, 2015 11:35 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: What are you up YTD?

Up 9.1% in IRA, where I was a few weeks ago. This time I moved 10% into cash, and will trim further into any additional rallies.

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