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Re: Does an AirBnB guesthouse make sense?

If you didn't see it, there is a part 4 to the series now as well

http://affordanything.com/2015/03/10/10 ... rbnb-host/
by halfnine
Tue Mar 17, 2015 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does an AirBnB guesthouse make sense?
Replies: 19
Views: 2221

Re: Foreign Currency Hedge for Vacation

I don't want cash, too expensive to obtain. And I don't want to hold it or bring it with me to Switzerland. But I can buy CHF in my brokerage account or the Swiss CurrencyShares ETF. The CurrencyShares EFT would cost you -1.15% to hold (-0.75% for interest and -0.4% ER). And you would be out anothe...
by halfnine
Sat Mar 07, 2015 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Foreign Currency Hedge for Vacation
Replies: 14
Views: 1105

Re: Favorite Vacation/Trip

For that price could also consider Belize. Beaches, ruins, caving, maybe a little sailing. Might depend a bit on the season though.
by halfnine
Fri Feb 27, 2015 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4447

Re: Cross Country Ski Gear Tips/Destinations

... I would also like to try backcountry skis for uncharted powder..... If you are interested in uncharted powder then its also a good time for an avalanche course as well as the approrriate equipment and probably a friend with equal or less risk tolerance than you Historically, a good way to combi...
by halfnine
Fri Feb 27, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1083

Re: Choosing a Backpack and other Gear for el Camino

I only briefed skimmed everything above, so apologies in advance. Some thoughts. I own a Jam backpack. It has its purposes, but I'd consider it a minimalist (masochists) backpack. I wouldn't consider it for most people unless you don't mind carrying a bit of weight on your shoulders. Keep in mind, a...
by halfnine
Sat Feb 21, 2015 6:30 am
 
Forum: Personal Consumer Issues
Topic: Choosing a Backpack and other Gear for el Camino
Replies: 100
Views: 6703

Re: Pick-Pockets

I haven't had my pocket picked but have been scammed out of a few dollars here and there. For pick pockets, these days I generally wear a money belt and keep cash for the day in a front pocket. If it starts getting crowded or any distraction occurs (bumped into, spit on, somebody drops something in ...
by halfnine
Sat Feb 21, 2015 12:36 am
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5300

Re: Preparing for 2 months incommunicado

Memorize the details of a third separate credit card number for use in case my other cards are lost or stolen. It's amazing the amount of things one can pay for without actually physically needing a card in hand. Do you mean: memorize a 16-digit number, the expiration month/year, and the 3-digit se...
by halfnine
Thu Feb 19, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6673

Re: Preparing for 2 months incommunicado

If it was me and traveling sans electronics I'd: Set up my credit cards and financial accounts so that I'd get an email alert if any charges/changes are made. See about setting up an email address hosted in spain (yahoo espana?). Then I wouldn't have to worry about access from abroad. I'd have all m...
by halfnine
Thu Feb 19, 2015 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6673

Re: Do you travel with friends?

By myself or with spouse/kids then independent travel works fine. With relatives only if its a cruise. And with friends only on an organized tour.
by halfnine
Tue Dec 23, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 53
Views: 5431

Re: Ad hoc travel to Antarctica

We had flexible travel plans and made an attempt at getting a cheap boat to Antarctica out of Ushuaia back in 2008. Although there were places available the discounts were (from memory) probably in the 20% range . We came to the conclusion that the huge discounts were a thing of the past. Ultimately...
by halfnine
Tue Dec 09, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2826

Re: Personal Tips for a New Father to Be

My wife works for my company too and we both work at home. It sounds like you have a pretty flexible work schedule. With that in mind I consider a polyphasic sleep schedule to help your spouse out at night and to get more hours out of the day. I don't remember exact details, but in general what wor...
by halfnine
Wed Dec 03, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 31
Views: 3858

Re: Advice for non-US citizen wanting to invest like a Bogle

Anyway, I'm not a tax expert, but I believe your American wife is eligible for the marital deduction which means assets from you to her under about $5 million are excluded from the estate tax. Yes. This only applies if the OP pre-deceases his wife and leaves her his entire estate, though. If she di...
by halfnine
Tue Nov 11, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for non-US citizen wanting to invest like a Boglehead
Replies: 17
Views: 1853

Re: Travelling Companions or small groups

I wouldn't entirely discount traveling on your own. In many areas of the world it is possible to book multi-day group trips on the spot. So, find a place your interested in, get to a local hub and arrange from there. And, as has been mentioned Intrepid is a good option as well. Consider G Adventures...
by halfnine
Mon Nov 10, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 3016

Re: Opinions on Montessori beyond the preschool years

I will answer sideways: a) Montessori concept is taught very different at different schools across the US - so you should check out the school in question before sending your kids there, there seems little standardization in the US as to what a Montessori school should be vs what I know from Europe...
by halfnine
Wed Oct 15, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 924

Re: Opinions on Montessori beyond the preschool years

...I've mentioned this more than once, but my wife thnks her successful career owes more to Montessori than it does to Vassar or her MBA from Fordham. She has radar for determining which of her employees attended Montessori; her theory is that they're the ones who finish a job...... That's interest...
by halfnine
Wed Oct 15, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 924

Opinions on Montessori beyond the preschool years

We are trying to determine how long to keep our children in a Montessori school. So for those that have had children in a Montessori school I have a few questions: When did your children stop going to Montessori school and why? And, if your kids stopped going to Montessori school because a primary/s...
by halfnine
Tue Oct 14, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 924

Re: Travel Insurance for a "trip of a lifetime"

A few emergency medical evacuation stories I am aware of:

here

and here

And, on a more personal note, a relative of mine got an emergency evacuation via medjet a few years back as well.
by halfnine
Thu Sep 11, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2696

Re: Rather be Home, Rather be at Work

Yup, 5 hours with the kids a day and 5 hours working a day is just about right.
by halfnine
Sat Aug 02, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 4101

Re: Best way to send money quickly to parents in Florence, I

Not to pile on, but this is a good illustration of why you should always have a backup credit and debit card packed away when traveling. Hope your parents enjoy the rest of their trip. One additional option is to leave a credit card at home but memorize the number and 3 digit code. Then you can jus...
by halfnine
Tue Jun 24, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Best way to send money quickly to parents in Florence, Italy
Replies: 18
Views: 1690

Re: Recommend a 1 month trip abroad.

will34 wrote:a 4-6 week trip....early September to mid October.


Nepal
Mongolia
China
Mongolia for a few weeks then China for the rest
Nepal for most of it then a week in Bhutan
by halfnine
Thu Jun 05, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 4668

Re: Recommended Parenting Books

Nurtureshock
Brain Rules for Baby
Mind in the Making
What to Expect (series)...(for reference as problems pop up)
by halfnine
Tue May 20, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2390

Re: Taking a leave of absence for one year

I've taken at least a year off on 3 occasions now. Once about every 5 years or so. I've always liked the idea of having mini-retirements and having the time to enjoy each stage of my life along the way. And, now, I can't imagine doing it any other way. I generally coincide the timing of my departur...
by halfnine
Sat May 17, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3125

Re: Taking a leave of absence for one year

I've taken at least a year off on 3 occasions now. Once about every 5 years or so. I've always liked the idea of having mini-retirements and having the time to enjoy each stage of my life along the way. And, now, I can't imagine doing it any other way. I generally coincide the timing of my departure...
by halfnine
Fri May 16, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3125

Re: Obligations to help parents financially?

Morally, I'd feel obligated to repay my parents for any financial aid they provided me after I turned 18. So, if it was me, I'd figure out how much they actually paid for me. Then I'd subtract out anything that it actually cost me (for instance if they deducted me in their taxes which increased my t...
by halfnine
Fri May 09, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligations to help parents financially?
Replies: 77
Views: 7494

Re: Where would you retire, if $ were no object?

Likely rotate through spending 3-6 months at a time in each of the following

Manhattan
London
Sydney

Since we could legally live in all of them, visas wouldn't be an issue. Probably, try out one new place each year as well for 3 months.
by halfnine
Tue Apr 29, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19482

Re: Best living environment for raising kids?

If you could raise a family any place in the world where would it be? depends on the kids Would you choose to be in a huge development with lots of other kids and amenities or would you choose for more privacy? depends on the kids Would you stay in one place for their entire childhood, or would you...
by halfnine
Sat Apr 26, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Best living environment for raising kids?
Replies: 11
Views: 2953

Re: Round The World!

Back in the day I used Airtreks to book RTW type tickets. They've recently been bought out by bootsnall. They have (at least used to) a few sample itineraries to get your heart rate going as well.
by halfnine
Thu Apr 24, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Round The World!
Replies: 43
Views: 9625

Re: Foreign Bona-fide residency

I had always assumed that ACA would eventually follow along the same requirements as the FEIE (bona-fide residence or physical presence). Based on what you have indicated it looks like this is now the case. I do know that the bona-fide residence requirement had a slight change in wording sometime ar...
by halfnine
Thu Apr 24, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreign Bona-fide residency
Replies: 12
Views: 1852

Re: First Trip to India

One other thing I forgot...practice your squatting
by halfnine
Mon Apr 14, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 15258

Re: Why Americans are Retiring Overseas

I know loads of people who live overseas because the cost of living is cheaper. It certainly has some merit as these people simply can't afford to live a similar lifestyle in their home countries. The key here, though, is lifestyle...not cost. They essentially chose a lifestyle and then moved where ...
by halfnine
Sat Apr 12, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 13114

Re: First Trip to India

Eat vegetarian (I've been quite ill on two occasions in India by not doing this)

Bring some Imodium (can literally save your *rse on a long bus ride)

Bring some antibiotics for when all else fails

Enjoy. Live a little.
by halfnine
Sat Apr 12, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 15258

Re: Unexpected vacation opportunity.

...Activities I enjoy are hiking (the more difficult and rewarding the better), scuba diving, surfing and kiteboarding (though I'm not good at either), cliff jumping, rafting, rock climbing, etc. If it's got ropes, paddles or the risk of bodily harm, it will probably get my attention. I also spend ...
by halfnine
Tue Feb 25, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Unexpected vacation opportunity.
Replies: 13
Views: 1686

Re: Less Obvious Travel Spots

As far as less obvious travel spots: Sri Lanka. Seems to fall off most people's radar. Except for the Germans. Japan. Most people just don't travel too widely in Japan. Probably the combination of cost, the limited time most people allot to the country and the language barrier. But, for whatever rea...
by halfnine
Wed Feb 12, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 6458

Re: Less Obvious Travel Spots

A little bit. I slept in a house on stilts right next to the lake. I had a room to myself; to get in I had to climb a ladder. The room was bare except a few mattresses on the floor. But the night was spellbound. Through uncovered windows I could see the Moon and I could hear the sound of the Titica...
by halfnine
Wed Feb 12, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 6458

Re: Raising kids in a small town vs. big city/suburbs

For those that have raised kids. If you were to consider relocating for the kids benefit what would be the child's latest age that you would consider doing this? I imagine this would be relevant for the OP but it will likely be very relevant for us as well.
by halfnine
Wed Feb 12, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6586

Re: Less Obvious Travel Spots

When I came to Isla del Sol, I checked into a hostel on the South side and the next day walked to the North side, planning to take a ferry back South where my backpack with the belongings was. While waiting for the ferry, I was invited to play cards with a group of backpackers. They were very excit...
by halfnine
Tue Feb 11, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 6458

Re: Any other travel freaks?

......But I always had the wanderlust. We took the kids and we went. We went cheap when we had to but we went. We are LBYM. I own one TV and most of the cars I ever had were used. I live in the house I bought from my parents. Kids went to public schools and state U. But I love going places. Anyone ...
by halfnine
Thu Feb 06, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9516

Re: Any other travel freaks?

At home, we live frugally in our modest house, but in the three years since I retired we've spent 5 weeks camping in Africa, 5 weeks camping in Australia, 4 weeks in Ireland, and 2 weeks in Panama, plus many domestic trips. All in all, we've had a great time and have a list of other destinations to...
by halfnine
Thu Feb 06, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9516

Re: Any other travel freaks?

I've always wanted to go to all 7 continents, well maybe 6 (as I don't think Antartica is worth the expense and I'm just not that into penguins). For those who do like penguins, and don't want to visit Antarctica, you can see them in the Falkland Islands. One can also see and walk amongst the pengu...
by halfnine
Thu Feb 06, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9516

Re: Winter coats:

I notice that a large number, perhaps even a majority, of people wear coats from either Columbia or Northface, the former being in somewhat lower numbers. Recently purchasing a winter coat led to these brands only to feel that they were overpriced. Eventually, a coat was purchased that was of neith...
by halfnine
Tue Feb 04, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 5079

Re: Expatriation or International Snowbirding

...Have any of you done anything similar to this already... My spouse and I have spent most of our 20s, 30s, and now into our 40s as either expats, travellers or slow travellers. Over the years we've done it solo and single, as a couple, and now on a more limited basis with young children. The life...
by halfnine
Fri Jan 31, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Expatriation or International Snowbirding
Replies: 40
Views: 4226

Re: Inverse of counting social security as a bond

Possibly many things wrong with this analysis, but I am starting just to think of all assets as retirement income streams that match relevant expenses. Property offsets rent (imputed rent). Social Security to offset basic expenses. Possibly an annuity to provide additional coverage if the SS doesn't...
by halfnine
Fri Jan 10, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse of counting social security as a bond
Replies: 32
Views: 1526

Re: How much a baby costs?

The cost in terms of money is really variable. And it really does depend on your circumstances. I think more aptly would be to say that there is an opportunity cost associated with having a kid that's a function of time, money, space, stuff, and social capital (i.e. grandparents). And the more you h...
by halfnine
Wed Jan 08, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 5454

Re: Is this portfolio aggressive or conservative?

I'd consider a 33/33/33 split to be baseline neither aggressive or conservative
by halfnine
Wed Jan 08, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Is this portfolio aggressive or conservative?
Replies: 38
Views: 3082

Re: US-Wary Portfolio?

My goal portfolio is: 40% Stocks (globally diversified with an emerging markets tilt) 25% Bonds 25% Precious metals (some combination of gold and silver) 10% REIT (i'm iffy about this) So my first question is, what do you think of this portfolio? Any recommendations? (don't say take your money out ...
by halfnine
Wed Jan 01, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: US-Wary Portfolio?
Replies: 56
Views: 4297

Re: Advantages to Dual Citizenship?

Our children had the right to obtain three citizenships which we did for the following reasons: 1. none of the countries impose taxes based on citizenship (very few countries do this) 2. under current laws, it gives them the right to travel to and live and work in a number of countries without need...
by halfnine
Wed Nov 27, 2013 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 3473

Re: Have you ever moved for lower cost of living?

I'm in my late twenties and I would see this as going to a place I would live for a very long time to start and raise a family. If you truly enjoy living in an urban environment then I would simply advise you just to wait until the need to move out of it actually arises. My wife and I live in a HCO...
by halfnine
Thu Nov 07, 2013 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 6223

Re: Elope to Save Money?

So we'd save money, avoid 6 months of fairly constant stress, and not offend any family members. Seems like a no-brainer right? If it was me in your situation, then I'd consider having both sets of parents there as well. I am sure most parents with whom their children are on good speaking terms wit...
by halfnine
Sun Oct 27, 2013 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Elope to Save Money?
Replies: 79
Views: 5781

Re: Bucket list - what's done, what's meh and what's left to

Hundreds and hundreds of things I'd still like to do. But won't be bothered too much one way or another if I don't. There is one big one, though, as Central Asia and Western China are a huge void on my travel map. Would like to start in Delhi and head up through northern India then over to Pakistan....
by halfnine
Thu Oct 24, 2013 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Bucket list - what's done, what's meh and what's left to do?
Replies: 46
Views: 4192

Re: Bhutan

Based on my research I see that we would automatically be looking at, I guess, what $200 / person per day (assuming it's just the two of us and we thus get charged more per person than a group would). But that seems to include lodging, food, guides, etc. How does that work, is it a credit towards t...
by halfnine
Mon Oct 07, 2013 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Bhutan
Replies: 21
Views: 2078
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