Search found 1391 matches

by kramer
Mon Aug 31, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Watching NFL Games Via Webstream
Replies: 16
Views: 1913

Re: Watching NFL Games Via Webstream

One negative to me when I looked at NFL Gamepass was that I had to stream it to my laptop and then get it to my big screen TV via HDMI cable or wireless streaming. I would rather use my Roku attached to my TV to do all the streaming and not involve my laptop, but the NFL has made it difficult to use...
by kramer
Mon Aug 31, 2015 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Expat: Vanguard declines to give advice. Move to Schwab?
Replies: 14
Views: 1703

Re: Expat: Vanguard declines to give advice. Move to Schwab?

I am a US citizen living abroad with a US mailing address service and I maintain a skype-based US phone number. For all of my financial relationships with American companies, I operate on a "don't ask, don't tell" basis when it comes to my living abroad. If the issue comes up (for instanc...
by kramer
Mon Aug 31, 2015 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Expat: Vanguard declines to give advice. Move to Schwab?
Replies: 14
Views: 1703

Re: Expat: Vanguard declines to give advice. Move to Schwab?

I am a US citizen living abroad with a US mailing address service and I maintain a skype-based US phone number. For all of my financial relationships with American companies, I operate on a "don't ask, don't tell" basis when it comes to my living abroad. If the issue comes up (for instance...
by kramer
Wed Aug 26, 2015 12:05 pm
Forum: Forum Issues and Administration
Topic: Staying logged in
Replies: 7
Views: 1123

Re: Staying logged in

Thanks for posting about this. It has been annoying and I just quietly tolerated it without thinking about it. Anyway, after reading this thread, I deleted all of my old Bogleheads cookies, and then re-logged in. Since then, everything has been working fine. The original cookies couldn't have been t...
by kramer
Mon Aug 24, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 6918

Re: VHT down 27% - Glitch or missed opportunity

An experienced trader friend also informed me that margin calls often come in as market orders at opening the following market day.
by kramer
Mon Aug 24, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 6918

Re: VHT down 27% - Glitch or missed opportunity

VHT = Vanguard's Health Care ETF Yes, I saw such an anomaly with IJS (S&P 600 value Ishares with about 4 Billion market cap size) for awhile after opening. It was down an average of about 28% over a series of trades stretching at least 15 minutes and possibly longer. Yes, it was a missed opportu...
by kramer
Mon Aug 24, 2015 6:59 am
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7828

Re: Piling into emerging markets

Another caveat is that today most Chinese stocks had a trading halt since their daily losses are apparently limited to 10%. So I am not sure if this is properly priced into any VWO purchase today? Since the closing prices of those stocks are artificially high until at least tomorrow. Also, this must...
by kramer
Mon Aug 24, 2015 6:42 am
Forum: Investing - Theory, News & General
Topic: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s
Replies: 19
Views: 3397

Re: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s

See the postings by Alan S. in this thread for detailed info: http://www.bogleheads.org/forum/viewtopic.php?t=171050 -jalbert Thanks, that helps. I think I would only buy a QLAC within an IRA and not a regular SPIA to reduce headaches. And to defer taxation even longer after RMDs start.
by kramer
Mon Aug 24, 2015 12:08 am
Forum: Investing - Theory, News & General
Topic: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s
Replies: 19
Views: 3397

Re: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s

Just to make sure I understand the RMD benefits of purchasing a QLAC within an IRA: * Purchase a QLAC with up to 25% of the current balance of your IRA, and the value of the QLAC itself will not be considered in RMD calculations. When the QLAC payments start coming into my IRA years later, those wil...
by kramer
Fri Aug 21, 2015 7:53 am
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7828

Re: Piling into emerging markets

I really don't like that only 37% of VWO (Vanguard Emerging Markets ETF) dividends were qualified dividends in 2014. VWO paid about 10% of dividends in foreign taxes, so if your overall tax rate is 10% or higher (or if you fall under the $300/$600 total foreign taxes paid threshold), you will probab...
by kramer
Wed Aug 19, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: How many here follow Bogle's "no international" theory?
Replies: 82
Views: 5310

Re: How many here follow Bogle's "no international" theory?

58% international, 42% domestic. Target is 60% international
by kramer
Fri Aug 14, 2015 4:50 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 95
Views: 13748

Re: Am I crazy? Quitting my job.

There was an interviewer for oil jobs in Saudi. He asked each interviewee what their motivations for work were. Some would say they are going for the adventure, others for a change of pace, others to advance their career, others for the money. He said the only ones that consistently finished their c...
by kramer
Fri Aug 14, 2015 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Selling older home with old knob and tube wiring
Replies: 39
Views: 5042

Re: Selling older home with old knob and tube wiring

My Canadian friend in Toronto had knob and tube wiring in his entire place. He had an unrelated claim of several thousand dollars (maybe about 4 thousand). The insurance company paid but they said they were going to drop him in one month if he didn't get all the knob and tube replaced. He called sev...
by kramer
Mon Aug 10, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Foreign medical insurance
Replies: 2
Views: 279

Re: Foreign medical insurance

I am not answering your big question, but you can get Phil Health coverage in the Philippines (the government program to which your post refers), although I am not sure of the maximum age at initial sign up. Phil Health is a government insurance program that might pay about 25% of the cost of a publ...
by kramer
Mon Aug 10, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Should an expat keep Medicare?
Replies: 5
Views: 402

Re: Should an expat keep Medicare?

Hi, I am retired and living in the Philippines and I have given some thought to this issue, although I am still in my late 40's. Getting the preliminaries out of the way (from memory, so maybe not exact): Regular Medicare is free at age 65+ (for most people). Part B and Part D cost money. If you don...
by kramer
Sat Aug 08, 2015 11:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5829

Re: Congrats to Laura Dogu

Very impressive and sounds like a dream assignment! I, too, echo congratulations. We are lucky to have had her here.
by kramer
Sun Aug 02, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Swim Goggles for Near-Sighted People
Replies: 18
Views: 1400

Re: Swim Goggles for Near-Sighted People

I wear disposable soft contact lenses that one puts on each morning and removes each evening and wears for a duration of 2 weeks. I wear regular non-prescription swim goggles with no problem. I have never lost a contact, but each contact is only something like $5 so it would not be a major loss. I d...
by kramer
Thu Jul 23, 2015 2:27 am
Forum: Personal Consumer Issues
Topic: Truck Stolen
Replies: 30
Views: 2991

Re: Truck Stolen

20 years ago my roommate got his old, small truck with topper on the back stolen from the University of California San Diego parking lot. It was parked right next to shiny new sports car. At first we couldn't understand why someone would take his old truck. Then, a few days later, it was found east ...
by kramer
Thu Jul 16, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri & Foreign Bond Funds
Replies: 15
Views: 1513

Re: Rick Ferri & Foreign Bond Funds

Notice, of course, that the question of whether you want foreign currency exposure is controversial, to say the least. Yes, I see what you are saying. I live abroad and so 90% of my spending is non-dollar spending. Even though I hold about 60% foreign stocks and have about a 60% stock allocation, t...
by kramer
Thu Jul 16, 2015 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri & Foreign Bond Funds
Replies: 15
Views: 1513

Re: Rick Ferri & Foreign Bond Funds

Interesting. Could you elaborate on the hedging Vanguard uses with this fund. I don't know the specifics of this fund without getting into the prospectus, but hedging for this fund would involve entering into currency contracts to provide insurance to protect against movements in the denominated cu...
by kramer
Thu Jul 16, 2015 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri & Foreign Bond Funds
Replies: 15
Views: 1513

Re: Rick Ferri & Foreign Bond Funds

From the article: Foreign bonds in a portfolio make sense for two reasons. First, they give you more diversification. Second, bonds denominated in foreign currencies provide diversification away from the U.S. dollar . Unfortunately, the Vanguard bond fund is hedged so there is no true foreign curren...
by kramer
Sat Jul 04, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: London Edinburgh by car
Replies: 26
Views: 1689

Re: London Edinburgh by car

Although I did not rent in a metropolis, but in Glasgow where things are a bit slower, I did not have too much trouble switching to left hand side driving and left hand gear shifting. In fact, the shifting part was trivial (the feet are the same). Now, I was an experienced manual shifter in the Stat...
by kramer
Wed Jul 01, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Golf in Bangkok and Chiang Mai, Thailand
Replies: 3
Views: 663

Re: Golf in Bangkok and Chiang Mai, Thailand

Chiang Mai is actually a golfing destination. I can remember seeing guys on the flight up from Kualu Lumpur who would go for the weekend to golf there. However, September is the rainiest month in both Bangkok and Chiang Mai, with about 14 and 10 inches, respectively, that month. I used to live in Ch...
by kramer
Tue Jun 30, 2015 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Open IRA before moving abroad (to Brazil)?
Replies: 6
Views: 772

Re: Open IRA before moving abroad (to Brazil)?

Once you leave the USA, it is more difficult to open any kind of US account, even with a USA address. I would open anything you might need in the future while still a US resident, including extra checking accounts and credit cards. That is what I did. However, this is less of an issue if you are sur...
by kramer
Wed Jun 24, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2573

Re: Optimize trip to China

I am not an expert on China, by any means, but based on your situation (preference for nature over culture, have a native speaker with you) I would suggest what Jane1 suggested as a possibility: " Southwest China (Guilin, Yangshuo, Lijiang, Dali, Kunming)". We flew from to Guilin (which is...
by kramer
Wed Jun 24, 2015 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 50
Views: 4599

Re: Travel insurance - worth it?

It just sounds too expensive. I have to buy travel insurance when I visit the USA (health coverage) and it comes with trip cancellation, medical evacuation, etc. As with TravelGeek above, my insurance is way way cheaper.
by kramer
Wed Jun 24, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: What percent of your spending is "basic" and what percent is "discretionary"?
Replies: 42
Views: 4191

Re: What percent of your spending is "basic" and what percent is "discretionary"?

I found this exercise too difficult to complete. I think I just don't track my spending in a detailed enough fashion. And I find a lot of purchases ambiguous. Also, I don't consider things like internet or trips to visit family in the USA mostly discretionary. I found myself dividing up categories. ...
by kramer
Mon Jun 22, 2015 3:34 am
Forum: Personal Finance (Not Investing)
Topic: My funds are frozen
Replies: 28
Views: 5852

Re: My funds are frozen

Here is the message I got from HSBC bank back in 2007 when I first tried to open an account there. At that time, I had a job and an apartment in the USA and I was opening a new account knowing that I may no longer have the freedom to do so in the future with my upcoming travel abroad plans. Thank yo...
by kramer
Sun Jun 21, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5655

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

This may sound out of left field, and it might depend on exactly where your extended family is located within Europe, but I would consider Tel Aviv as a possibility. Tel Aviv is bike-friendly, great weather, English speaking, probably visa-friendly for an American, cheaper than most of Europe, beach...
by kramer
Fri Jun 19, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 18098

Re: Is it worth aspiring to get more?

It is a conundrum because most jobs have redeeming qualities. I retired pretty early and my issue was that my career did not lend itself to part-time. When I was enjoying my job, I figured that my ideal work-life balance was working 7 months per year for 3 days per week. But that just was not going ...
by kramer
Wed Jun 17, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3544

Re: Tax savings of moving to no income tax state

One thing to keep in mind is that tax savings are increases to net income and thus have a lot more impact than the same amount in salary increase. So if you are currently taking home $350K out of $500k in one state but you save $35K in taxes in another state, your net income has increased by 10%. A ...
by kramer
Wed Jun 10, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Bigger phone screen 5.5" or Waterproof Phone 5.0" screen - which is more useful?
Replies: 12
Views: 1041

Re: Bigger phone screen 5.5" or Waterproof Phone 5.0" screen - which is more useful?

Sand is one of the few things that can scratch your smartphone screen. I think the idea behind waterproof for these phones is that they will do OK if dropped briefly underwater and quickly retrieved, or they will survive a rainstorm in your pocket. I wouldn't be challenging them to take underwater p...
by kramer
Mon Jun 08, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Living Overseas, Currency Risk, and International Funds
Replies: 14
Views: 1206

Re: Living Overseas, Currency Risk, and International Funds

I live in the Philippines (retired), a much, much smaller and less developed economy. Also, because a lot of domestic wealth is kept in dollars, there seems to be an unofficial loose tie with the dollar with the result that currency fluctuations are not as bad for Americans. In my portfolio, I overw...
by kramer
Sat Jun 06, 2015 9:42 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10390

Re: Perpetual Travelling

You also have to carry various power adopters that may weigh more than devices themselves. This is one of the reasons I am considering committing to the Microsoft ecosystem. The new series of Surfaces, as well as many Windows Phones use micro-USB cables to recharge. So does the Kindle. So I think I...
by kramer
Sat Jun 06, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: D-Day message from France
Replies: 27
Views: 3074

Re: D-Day message from France

Thank you.

I never got to meet my great uncle, with whom I share a rather uncommon first name, because he died in France in 1944 during that campaign.

Great sacrifices should not be forgotten.
by kramer
Thu Jun 04, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10390

Re: Perpetual Travelling

I perpetual traveled for about 5 years in my early 40's after retiring. My style was to travel through a region and then later go back and try living in a place that I really liked and I ended up trying living in 4 different countries. This ended when I decided to stay in the Philippines. I really h...
by kramer
Thu May 14, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in your 40's
Replies: 21
Views: 3018

Re: Retiring in your 40's

I retired 8 years ago when I was 41, but I am a single guy. Assuming that you are somewhat dissatisfied with your career at this point, one thing I would really think about is how to avoid burnout at work. This can really sneak up on you, even in a career you used to love. One of lthenderson's point...
by kramer
Mon May 11, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 8059

Re: International - Who really is at 40%

I am 63% equities. I only have 58% of that in foreign. I have maintained a pretty similar allocation ever since I started investing about 15 years ago.
by kramer
Sun May 03, 2015 11:04 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 12093

Re: Will you buy self-driving car?

I would not buy a self-driving car but I definitely look forward to using Uber-like services for self-driving cars and giving up vehicle ownership. It means I won't need parking at my residence for a car. It means downtown areas especially will need far less parking, creating the ability to build-in...
by kramer
Fri May 01, 2015 1:14 pm
Forum: Personal Consumer Issues
Topic: Can you see the Mayweather fight for less than $99?
Replies: 39
Views: 4083

Re: Can you see the Mayweather fight for less than $99?

Yes, for US military members overseas supporting our great country, the fight is free! But, it's on at 0300 of course on AFN (Armed Forces Network)..but the promoters are allowing military members overseas to watch it for free! Yes, many of my friends here in the Philippines are retired military an...
by kramer
Tue Apr 28, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Q re pay Cap Gains Tax at zero income level?
Replies: 12
Views: 647

Re: Q re pay Cap Gains Tax at zero income level?

In addition to considering taking capital gains to the top of the 15% bracket, you could consider using part of that space for converting a traditional IRA to a ROTH. I am early retired like you and most of my income is qualified dividends, along with a bit of interest and unqualified dividends. Eac...
by kramer
Tue Apr 28, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2598

Re: Getting the stink out of running clothes

I think it is important to dry the clothes out after a workout by hanging them up. Have you been doing that? I have not had the stinky problem, I use synthetic type running shirts, not expensive but more like the kind you buy at Walmart, and they don't smell even after many, many uses. They get soak...
by kramer
Mon Apr 27, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 54
Views: 4285

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

I have trouble doing any kind of serious travel research or ticket purchases on a phone screen. On my last 2 week trip, I took a smart phone and a tablet (8.5 inches, 13 ounces). For most of the trip, including in my hotel room, I used my phone for 3G/4G tethering my tablet to the internet and it wo...
by kramer
Fri Apr 24, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 5110

Re: Best touristy places to live in the world?

I really enjoyed living in Chiang Mai, Thailand for a year. Because it is not a large city (maybe 500,000), its economy is dominated by tourism.

I visited there again a few months ago and had forgotten just how good the food was, both local food and international food.
by kramer
Wed Apr 22, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Handling cash in Vietnam
Replies: 13
Views: 1383

Re: Handling cash in Vietnam

Find a bank with a surcharge free ATM policy. Also, have her call the bank and let them know that she'll be out of country. Otherwise, she may find herself with a cancelled card and no access to money. I learned the hard way when I was deployed to Iraq. She should probably have a second backup card...
by kramer
Mon Apr 20, 2015 12:27 pm
Forum: Personal Consumer Issues
Topic: Just got contact lenses. Should I buy backup glasses?
Replies: 22
Views: 1373

Re: Just got contact lenses. Should I buy backup glasses?

Good answers here. In several decades of wearing daily use soft contact lenses (removed each evening), I have never needed a replacement pair when I was away from home and out for the day. However, it is not a bad idea to have a cheap pair of glasses when out (like in the car). Zenni is a great sugg...
by kramer
Sun Apr 19, 2015 4:46 am
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 41
Views: 2802

Re: long term capital gain tax vs. roth conversions

Another small note is that you need to pay some taxes in order to take full advantage of your foreign tax credit.
by kramer
Thu Apr 16, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 5177

Re: Would you buy 1.5 M house without AC?

I would be a lot more concerned about not having central heating. It's actually much more important in that climate than A/C.
by kramer
Thu Apr 16, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Friend not filed taxes for years but owes no money
Replies: 15
Views: 1920

Re: Friend not filed taxes for years but owes no money

Thanks for all the feedback. It sounds like he is probably OK and should start filing for tax year 2015 due to receiving social security (although he may not get his first check until January, 2016). And so there is no need to go back and file old returns and possibly open up a can of worms. He meet...
by kramer
Thu Apr 16, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Friend not filed taxes for years but owes no money
Replies: 15
Views: 1920

Friend not filed taxes for years but owes no money

I have a good friend who lives off a US military pension of about $26,000 per year. He will start taking social security later this year at age 62. He has not filed income taxes for years. The amount taken out of his pension is just slightly more than he owes each year. So he is losing out on a tiny...

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