Search found 367 matches

by halfnine
Thu Jul 09, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2299

Re: Is it a good idea to travel to Western Europe with kids?

Please share your experiences / opinions on the subject: either it would make sense or not to take kids 8-13 years old to W. Europe in order for them to see museums, architecture, art, etc.? Thanks. Financially. Probably not. For kids on a short 1-2 week trip there really isn't much that Western Eu...
by halfnine
Sun Jul 05, 2015 4:51 am
Forum: Personal Consumer Issues
Topic: London Edinburgh by car
Replies: 26
Views: 1664

Re: London Edinburgh by car

Driving on the other side of the road is entirely manageable especially if you: - Primarily focus on the driving aspect and don’t worry too much about missing turns, heading off in the wrong direction, etc., and - Have somebody else responsible for the navigating, and - Have a navigation system Some...
by halfnine
Sun Jun 21, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5596

Re: Best European Cities for families, the outdoors and cycling

Living in London is like having a disease. As long as you live here, that's OK, because you have the virus. Leave, and I am not sure I could ever come back. I agree with much of what you've written. However, your comments are more relevant to someone who would live in London longterm. My recommenda...
by halfnine
Sun Jun 21, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Abroad
Replies: 22
Views: 3992

Re: Retiring Abroad

The US is rather tax friendly for people living on passive income, plus you might get subsidized health insurance (Obamacare) and Medicare later in life. It's my top choice for retirement, and I live overseas currently. I think there is a better financial case to be made for working abroad in your ...
by halfnine
Sun Jun 21, 2015 4:19 am
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5596

Re: Best European Cities for families, the outdoors and cycling

This. I would encourage anyone who can live in London to do it. Ideally for a 15-24 month period. At a minimum, this should be a continuous period inclusive of two summers. Preferably while living within Zone 1. London is truly one of the great cities of the world and for what you get weather and o...
by halfnine
Sun Jun 21, 2015 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Retiring Abroad
Replies: 22
Views: 3992

Re: Retiring Abroad

The US is rather tax friendly for people living on passive income, plus you might get subsidized health insurance (Obamacare) and Medicare later in life. It's my top choice for retirement, and I live overseas currently. I think there is a better financial case to be made for working abroad in your ...
by halfnine
Sat Jun 20, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 85
Views: 9474

Re: The cost of walking el Camino de Santiago

Just curious (and maybe answered elsewhere), but what made you choose the Camino over other options (AT, PCT, etc. domestically, or something like the Swiss High Route or Tour du Mont Blanc in Europe)? I like walking, but not very strenuously. On the AT or PCT I would have to carry a much heavier p...
by halfnine
Thu Jun 18, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 85
Views: 9474

Re: The cost of walking el Camino de Santiago

I figured out that what you are calling "hiking staff" is what I would call "hiking poles," but I am happy to use your terminology {smiling}. Well I wouldn't call hiking poles a hiking staff in conversation. I was attempting to use "staff" more generically to infer it ...
by halfnine
Thu Jun 18, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 85
Views: 9474

Re: The cost of walking el Camino de Santiago

I got larger boots, but during the first few days they were a bit loose and I got blisters from friction. Once I realized that, I started wearing extra socks until my feet expanded. In the retrospect, it's much easier to deal with larger boots and even blisters than with the boots that are too smal...
by halfnine
Mon Jun 15, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5596

Re: Best European Cities for families, the outdoors and cycling

..... I think it would be foolish to invest a lot of time and money to try to get a long term visa in say Germany, only to later figure out I want to live in Spain, or not live in Europe at all. Getting a long term visa in Germany and then living in Spain isn't an issue. It is my understanding that...
by halfnine
Sun Jun 14, 2015 2:35 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation w/Real Estate
Replies: 14
Views: 1691

Re: Asset Allocation w/Real Estate

I'd consider no asset riskless and would go 1/3 property, 1/3 stock, 1/3 bond.
by halfnine
Sun Jun 14, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5596

Re: Best European Cities for families, the outdoors and cycling

Which countries can you qualify for a visa?
by halfnine
Fri Jun 12, 2015 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5494

Re: Should I move out of my family's home?

Ah, the joys of living in two cultures simultaneously. I only have two thoughts. Ultimately, you will have to survive in the culture of your peers and not the culture of your parents. If you want a place in the sun, you must leave the shade of the family tree - proverb Best of luck, whatever your de...
by halfnine
Wed Jun 10, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10169

Re: Perpetual Travelling

+1 for texasdiver

For adapters and generally all things electronic the aptly named Too Many Adapters blog might be of interest. A relevant article I bookmarked a while back:

http://toomanyadapters.com/cheap-simple ... ravellers/
by halfnine
Mon Jun 08, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Living Overseas, Currency Risk, and International Funds
Replies: 14
Views: 1187

Re: Living Overseas, Currency Risk, and International Funds

As an expat, I overweight any country I live in or might spend some time in retirement in by up to 3x its market cap, but don't let any country (including the USA) exceed 33%.

(edited for clarity)
by halfnine
Mon Jun 08, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Living Overseas, Currency Risk, and International Funds
Replies: 14
Views: 1187

Re: Living Overseas, Currency Risk, and International Funds

..... I'm not sure, but for example, if your wife invested in Japan-domiciled funds, and you want to avoid the PFIC reporting, you may have to file your US taxes as married filing separately, which has a lot of side-effects..... The side-effects of married filing separately generally equate with fe...
by halfnine
Sat Jun 06, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 9733

Re: Big Decision to Make

In my current workplace in the UAE, about half of my colleagues are based in Saudi and visit Dubai regularly. They say it's boring there, but none have expressed fear. Many of my Dubai-based colleagues themselves lived in Saudi for a few years. Again they say it's dull but doable. If you are planni...
by halfnine
Fri Jun 05, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Which IRA for 1099 Contractor Work?
Replies: 8
Views: 624

Re: Which IRA for 1099 Contractor Work?

I figure I will make 19.2K gross yearly if i calculate it off 15 hours a week. If I contribute 12K of it to my retirement then I can only be taxed on the other 7.2k correct? I would be in a 15% tax bracket. I know I'm all over the place, do your best. Thank you in advance. . You are going to pay ar...
by halfnine
Thu Jun 04, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10169

Re: Perpetual Travelling

Great topic here. Are there any "perpetual traveler" with small kids? If so, how did they do it? For quite a robust list of families that are out there traveling have a look here: http://www.vagabondfamily.org/family-profiles/ There is one family of note that is always entertaining that i...
by halfnine
Tue Jun 02, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10169

Re: Perpetual Travelling

I don't like the name perpetual traveler because it really isn't true for most people. Most people don't travel perpetually. It just doesn't work like that. That said there are a few ways to go about long term travel: 1. Travel across the globe in a RTW style. Typically this involves travel to many ...
by halfnine
Tue Jun 02, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10169

Re: Perpetual Travelling

Explaining to others including tax authorities, health insurance and others concerned, about this type to lifestyle makes this unnecessarily complex. This is something I've been wondering about - the lack of a fixed address. I've just begun to discover that there are places that will sell you a str...
by halfnine
Tue Jun 02, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10169

Re: Perpetual Travelling

A couple of quick notes: .... And, unfortunately, on that note all the good travel forums all dried up about 5 years ago or so. .... I'm curious: what's your opinion of Lonely Planet's online travel forum? I've been extremely fortunate to have had the opportunity to have traveled a lot when I was y...
by halfnine
Tue Jun 02, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10169

Re: Perpetual Travelling

The Practical Nomad. It's the most thorough book I've seen. I read the first edition back in the 90s which launched me on my journey which I haven't really looked much back from. Perhaps you can share something about your journey? I'd also be really interested in hearing more, if you're willing to ...
by halfnine
Sun May 31, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10169

Re: Perpetual Travelling

A couple of quick notes: Many of the travel blogs that were out there have disappeared, sold out, or seldom post (I think the monetizing model has shifted) Travel blogs are quite poor sources of unbiased information anyway relative to travel forums. (just as Bogleheads in itself a quite superior res...
by halfnine
Wed May 20, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35425

Re: much ado about coasting (through life)

It is bizarre to me that so many people think that "contributing to the species" is coextensive with giving 100% at some job. When you really think about it, do the vast majority of our jobs contribute to the species? A huge slice of our economic engine is centered on convincing people to...
by halfnine
Wed May 20, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 3461

Re: Lightweight camping gear

Does the tarp tent have a floor and such like a tent? I just took a quick look and thought they were sort of like a supported rain fly. The tarptent is a tent. At least they were (mine is 10+ years old). Bathtub floor with mesh netting filling the voids in what would essentially otherwise by a tarp...
by halfnine
Wed May 20, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13331

Re: How much does social security factor into your retirement income?

SS will account for up to 33% of our income stream. Anything above and beyond that is great, but it won't be included as part of the plan. Quite frankly, don't believe anything is riskless and am not counting on anything providing more than 33% of our income.
by halfnine
Tue Mar 17, 2015 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does an AirBnB guesthouse make sense?
Replies: 19
Views: 2471

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
Sat Mar 07, 2015 10:48 pm
Forum: Personal Consumer Issues
Topic: Foreign Currency Hedge for Vacation
Replies: 14
Views: 1624

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
Fri Feb 27, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6570

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 8:55 pm
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1492

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
Sat Feb 21, 2015 6:30 am
Forum: Personal Consumer Issues
Topic: Choosing a Backpack and other Gear for el Camino
Replies: 100
Views: 8253

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 12:36 am
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6303

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
Thu Feb 19, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 144
Views: 8543

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 7:30 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 144
Views: 8543

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
Tue Dec 23, 2014 3:06 pm
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 53
Views: 5850

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 09, 2014 4:41 pm
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 3062

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
Wed Dec 03, 2014 1:58 pm
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 31
Views: 4112

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
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: 2057

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
Mon Nov 10, 2014 4:19 pm
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 3271

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
Wed Oct 15, 2014 3:13 pm
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 967

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 3:08 pm
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 967

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
Tue Oct 14, 2014 2:55 pm
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 967

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
Thu Sep 11, 2014 3:33 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2913

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
Sat Aug 02, 2014 2:55 pm
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 4216

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
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: 1741

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
Thu Jun 05, 2014 3:14 pm
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 4776

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
Tue May 20, 2014 1:38 pm
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2541

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
Sat May 17, 2014 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3278

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
Fri May 16, 2014 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3278

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...

Go to advanced search