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Re: First Trip to India

One other thing I forgot...practice your squatting
by halfnine
Mon Apr 14, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 47
Views: 3524

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 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8863

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 3:19 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 47
Views: 3524

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 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Unexpected vacation opportunity.
Replies: 13
Views: 1569

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 5:13 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 5115

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 5:08 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 5115

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 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4844

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 6:54 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 5115

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 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 92
Views: 5632

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 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 92
Views: 5632

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 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 92
Views: 5632

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 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 3746

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 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Expatriation or International Snowbirding
Replies: 40
Views: 3300

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 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse of counting social security as a bond
Replies: 32
Views: 1378

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 7:23 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4023

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 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Is this portfolio aggressive or conservative?
Replies: 38
Views: 2726

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 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: US-Wary Portfolio?
Replies: 56
Views: 3768

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 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 2788

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 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 5908

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 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Elope to Save Money?
Replies: 79
Views: 5205

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 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Bucket list - what's done, what's meh and what's left to do?
Replies: 46
Views: 3878

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 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Bhutan
Replies: 21
Views: 1934

Re: Bhutan

I'm curious if anyone on this site has visited Bhutan, know someone who has, or has drawn a conclusion "yay or nay" after researching such a trip....Other options being bandied are Mongolia, Nepal (have made several trips, my wife hasn't, but a great option), and Patagonia (trekking in th...
by halfnine
Thu Oct 03, 2013 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Bhutan
Replies: 21
Views: 1934

Re: London and Paris Hotels

dewey wrote: I'm not as fussy as my wife but we'll need to have a clean place with private bath in order to make things work out.


Clean, basic place with private bath...in London you could go with Travelodge. Some cheap rates if booked well in advance.
by halfnine
Wed Oct 02, 2013 3:54 pm
 
Forum: Personal Consumer Issues
Topic: London and Paris Hotels
Replies: 48
Views: 2975

Re: Planned Badly and Facing a Layoff

But if I can’t land a job, I guess I will have to dip into my 401k to make ends meet till social security at age 62. If getting another job proves fruitless and I was still relatively healthy, then in that situation then I would probably go live abroad in a cheap country with a healthy elderly expa...
by halfnine
Wed Oct 02, 2013 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planned Badly and Facing a Layoff
Replies: 35
Views: 4579

Re: Traveling to Johannesburg for 3.5 Days -- Worth It?

Just to preface... I have flown SF - Heathrow - Joburg Have been to Joburg Have traveled around South Africa Personally, I wouldn't do it on that time schedule. Not in coach class. Not at that price. Not if my goal was "travel". Now, if it was for mileage that would be well compensated bey...
by halfnine
Mon Sep 16, 2013 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Traveling to Johannesburg for 3.5 Days -- Worth It?
Replies: 44
Views: 2244

Re: US Deposits Uninsured, or Just ZeroHedge Being Sensation

One of the theoretical benefits of being with HSBC for me (though one I haven't used yet) is the ability to easily set up local accounts in different destination countries. Easily...don't count on it. That certainly isn't our experience with HSBC. They treat each country as its own entity. Now, the...
by halfnine
Sat Sep 14, 2013 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: US Deposits Uninsured, or Just ZeroHedge Being Sensational?
Replies: 8
Views: 1352

Re: Gold and DJIA: What is going on?!

And if you are in the lower tax bracket, I thought the tax rate was 15% upon sale. But it seems it is 28% across the board from what I can google now. (Anybody out there find something different let me know.) But it must be working for some that it gets taxed so high? Who knows? It's a 28% maximum ...
by halfnine
Thu Aug 22, 2013 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Gold and DJIA: What is going on?!
Replies: 137
Views: 7712

Re: BodyFlying

Has anyone done BodyFlying? Is it as easy as it looks in the video ? Victoria My wife and I did it a few years back. I think it was something like two 2 minute sessions. Everyone in the group went once and then everyone went once again. As a one-off your experience will most likely be very similar ...
by halfnine
Tue Aug 20, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: BodyFlying
Replies: 32
Views: 2567

Re: International Driving Permit

Halfnine, Thanks much for that information; just the kind of things I like to know. Just hate surprises at the last minute. Now, any suggestions for distillery tours. Bill Well, I am no expert on distilleries having only been to two. Bushmills a few years back and another one in Zimbabwe around 15 ...
by halfnine
Sat Aug 03, 2013 4:18 pm
 
Forum: Personal Consumer Issues
Topic: International Driving Permit
Replies: 30
Views: 1519

Re: International Driving Permit

I was thinking of visiting Sri Lanka, and it seems to be recommended there. Alternatively, it's pretty easy to hire a car and driver in Sri Lanka to get around and not all that expensive. That's what we did we we were there. Although logistically, road and traffic wise it wouldn't be all that bad t...
by halfnine
Fri Jul 26, 2013 4:53 pm
 
Forum: Personal Consumer Issues
Topic: International Driving Permit
Replies: 30
Views: 1519

Re: International Driving Permit

We are going to Ireland in September for two weeks with a likely side trip to England and Scotland. Its been suggested we get an International Driving Permit I usually have an IDP, however I have never had an issue with needing an IDP for any of those countries. But, personally, it would be in your...
by halfnine
Fri Jul 26, 2013 4:52 pm
 
Forum: Personal Consumer Issues
Topic: International Driving Permit
Replies: 30
Views: 1519

Re: Spanish language immersion for toddler

It's difficult to predict which language will be more useful, but unless you have a family or work connection to China ..... We have both family and work connections in China and still think learning Mandarin/Cantonese is pretty worthless from that perspective for our children. I mean sure, it's po...
by halfnine
Sun Jul 14, 2013 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Spanish language immersion for toddler
Replies: 21
Views: 1093

Re: Help with purchasing Travel Insurance

Good luck on your trip. I have nothing to add regarding travel insurance, but wanted to ask if you've ever been at elevation before? That could be a good indicator for you - are there any mountains nearby where you could "test" yourself? I wish you the best of luck, it sounds like an awes...
by halfnine
Sat Jul 13, 2013 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with purchasing Travel Insurance
Replies: 16
Views: 1141

Re: Can anyone suggest any good travel forums?

I've got a bit of wanderlust (and some vacation time!) and am planning on doing some travel soon, but still int he planning stages. I've tried Google for "travel forum" but I keep finding advertisements or not very active forums. I'd love to find a community like bogleheads.org, but for t...
by halfnine
Tue Jul 09, 2013 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Can anyone suggest any good travel forums?
Replies: 20
Views: 1871

Re: Trip to Tokyo!

How long would it take to get to Hiroshima? Nagasaki? I've done Auschwitz, and I will do the World War One trenches at some point. Omaha Beach too. I've been to Coventry and the Cathedral there, and some day I will no doubt see Dresden-- the Cathedral has just been rebuilt, partly with British mone...
by halfnine
Sat Jul 06, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Trip to Tokyo!
Replies: 44
Views: 3727

Re: [Poll] What's Your Current Mode of Camping?

As far as current mode of camping...in a tent in the kids room. But, that wasn't an option in the poll. Maybe in another year or two.
by halfnine
Fri Jul 05, 2013 5:04 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6382

Re: [Poll] What's Your Current Mode of Camping?

base weight of most ultralighters is well under 10 pounds, sometimes 7 pounds. That excludes food and water, but still... crazy. I've talked with some of these guys (and they are mostly guys). Their camping is quite austere. I imagine they are cold, wet, and hungry for much of their trip. They'll d...
by halfnine
Fri Jul 05, 2013 4:59 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6382

Re: [Poll] What's Your Current Mode of Camping?

I like buying equipment at REI... REI is great and I shop there plenty. But there is an unfortunate side effect to their vastness. They tend to not carry gear from small or niche manufacturers, because those manufacturers cannot supply the volumes REI requires. Therefore a lot of state-of-the-art g...
by halfnine
Fri Jul 05, 2013 4:48 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6382

Re: Premium Products That Are Worth It To You

Space and weight being in short supply pretty much everything that fits in my travel pack is a premium product.
by halfnine
Fri Jun 14, 2013 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36158

Re: Florida residency ??

Here is a fairly thorough account of how some RVers switch their domicile/residency to Florida (skip towards the bottom for the specifics to Florida)

http://www.technomadia.com/2013/02/setting-up-domicile-in-florida-as-a-full-time-rver/
by halfnine
Fri Jun 14, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Florida residency ??
Replies: 14
Views: 1495

Re: Do I really need a Smartphone?

I have a google voice number that I ported over from my cell phone years ago when I left the USA and no longer had a need for a USA cell phone. I also have a SkypeIn number (for the USA) that I use. I have never tried forwarding my google voice to the SkypeIn and then forwarding it to foreign SIM. D...
by halfnine
Tue Jun 11, 2013 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 25675

Re: Dry, breathable, lightweight, reasonably priced rain she

My experience with different types of rain gear. For must usages I’d take a windshirt and/or umbrella over gore tex any day. That said I have quite a few pieces of waterproof/breathable raingear but they all serve different purposes. The hierarchy that I use: Poncho and umbrella: The poncho of the p...
by halfnine
Tue Jun 11, 2013 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Dry, breathable, lightweight, reasonably priced rain shell
Replies: 59
Views: 2922

Re: Travel to Siena (Italy) this September

It's been quite a while since I've been in Siena but unless things have changed I would say that traveling to/from Sienna via public transport is inconvenient and time consuming. Certainly the other suggestions mentioned...hiring a car, hiring a driver, taking a day tour via bus would have to be bet...
by halfnine
Tue Jun 11, 2013 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Travel to Siena (Italy) this September
Replies: 22
Views: 1302

Re: Good place to travel in July?

If you are no longer considering budget, I'd also consider Iceland. For 8-9 days in July from the USA it isn't unreasonable.
by halfnine
Sun Jun 09, 2013 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Good place to travel in July?
Replies: 24
Views: 1626

Re: Long Distance Walking

EmergDoc wrote:No, but it's on the bucket list.


Any of the Via Ferrata on the bucket list?
by halfnine
Thu Jun 06, 2013 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13141

Re: Long Distance Walking

I believe so. I prefer tyvex or paper for my maps but you can checkout the website. The Ordnance Survey is a government agency, their maps are used as the base map for most mapping in the UK so there may also be commercial apps that have the same information. http://www.shop.ordnancesurveyleisure.c...
by halfnine
Thu Jun 06, 2013 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 133
Views: 13141

Re: Full Time RVer - Mail and Internet

My friends the Technomads have been full-timing it for years, initially in a T@B teardrop now in a large bus/RV. They've got a lot of resources at their site: http://www.technomadia.com/ and have developed smartphone apps displaying mobile coverage maps and it looks like a book "The Mobile Int...
by halfnine
Sun Jun 02, 2013 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Full Time RVer - Mail and Internet
Replies: 53
Views: 4539

Re: Retirement Floor

I am early retired in my late 40's and put this concept into practice. I have I-bonds maturing in my mid-60s (along with a sprinkling of later dates). I have TIPs maturing in mid-70s. So if I wait until I am 70 to take Social Security, I would be "OK" on Social Security plus these the cap...
by halfnine
Sat Jun 01, 2013 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Floor
Replies: 55
Views: 5408

Looking to Improve Home network / Backup System

I am looking for ideas and equipment recommendations to improve data storage for our home network / backup system. We currently use a Buffalo Link Station 500GB Ethernet hard drive (nearing full capacity) to store the original data for all of our computers/devices. I am not using any of the software...
by halfnine
Tue May 28, 2013 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Looking to Improve Home network / Backup System
Replies: 6
Views: 836
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