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Re: The Role of Life Expectancy

When I was doing Monte Carlo analysis prior to my retirement, I was really surprised how this factor washed out. Essentially, just as often as a long life expectancy caused failure, the portfolio succeeded when it would have failed because the retiree died sooner than expected. And so the rate of fi...
by kramer
Wed Oct 15, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: The Role of Life Expectancy
Replies: 25
Views: 1637

Buying Secondary Market CDs at Vanguard

I was wondering if anyone had any tips for buying Secondary Market CDs at VBS? It looks like there is a listing for hundreds of individual CDs and there is a simple bid-ask system and you can sort by maturity. It tells you what interest rate you are getting by bidding a certain amount and also what ...
by kramer
Wed Oct 15, 2014 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying Secondary Market CDs at Vanguard
Replies: 6
Views: 735

Re: Leaning towards buying a 1-BR condo in Bay Area

Sounds good to me . . . and I lived in the Bay Area for 12 years and always rented. The issue with less of a market with 1 bedrooms . . . you are benefiting from that now when you buy at a good price. The hidden issue with home ownership there is that when you change jobs you may end up with a bad c...
by kramer
Wed Oct 15, 2014 12:17 am
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2008

Re: advice on a surface pro 3

I was holding my friend's pro 3 the other day. On the negative side, it strikes me as pretty heavy for a tablet (800 grams). And with the keyboard (which is not included in the price), the weight is 1.1 kg. Also, I don't know if that yet includes the weight of the cover. That is approaching ultraboo...
by kramer
Mon Oct 13, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2437

Re: Schwab or Vanguard for account when living abroad?

If there is a net gain in your original holding and you sell it to buy something else, there is no wash sale issue because you don't have a loss, even if your new purchase is substantially identical. So you can immediately purchase the new holding.
by kramer
Mon Oct 13, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for account when living abroad?
Replies: 7
Views: 611

Re: Is semi-retirement a bad idea?

I started college late and so I didn't finish graduate school and start my career proper until age 29. I would have sworn that I would never get burnt out and anyone that knew me would have sworn the same. But I burned out at age 40. Also, I came to the conclusion that high paying jobs are inherent...
by kramer
Sun Oct 12, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7060

Re: Is semi-retirement a bad idea?

I never really want to completely retire. You say that now but things change. In 20 years you might have a different viewpoint. That's true, but always wanting to do something is an ingrained part of my personality. My father is the same way and still does part time work in his 70's. I also work in...
by kramer
Sun Oct 12, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7060

Re: Relocating to a tax free state with good weather need ad

I will say that I have met a lot of techie guys working for an American company from abroad in a nice climate with a fast internet connection. As a non-resident of any state, they are not paying state income taxes. I guess they don't (have to) pay federal income taxes either, if they make money ove...
by kramer
Sun Oct 12, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3603

Re: Relocating to a tax free state with good weather need ad

This really depends on a lot of factors and how strong your desires for these things are. Climate was a major consideration for me after I retired early and I treated it as an important factor, but just one factor among several. I find all the winter weather in the continental US way too cold, even ...
by kramer
Sun Oct 12, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3603

Re: I Bonds - Best redemption strategy

How to best cash in the bonds to maximize your returns after taxes depends on personal circumstances, your personal income tax rate, and the availability of alternative investments for that money. My own case is that I have one full batch of 3.0% and 3.4% I-bonds maturing within about 6 months of on...
by kramer
Sun Oct 12, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1369

Re: Couch Surfing

I have had some wonderful couchsurfing experiences in several countries. I never used it to find a place to stay, just as a way to meet local people and expatriates open to meeting foreigners. I decided to start using it when I was traveling around Asia and I went to a certain tourist place on the b...
by kramer
Fri Oct 10, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5042

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

Thanks market timer. I've just spent the last 10 to 20 minutes trying to find a calculator to do that math and decided I needed Excel but my Excel skills weren't up to the task. The number is quite a bit closer to the "standard" 4% risky portfolio than I would have imagined. But what happ...
by kramer
Wed Oct 08, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 87
Views: 5743

Re: Medical Tourism - recent article

You can check if a hospital abroad has been certified to American standards of the JCI by going to this page: http://www.jointcommissioninternational.org/about-jci/jci-accredited-organizations/ I can tell you that in the Philippines, which does not have a good reputation for medical care, the best h...
by kramer
Mon Oct 06, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1681

Re: What SWR/expense multiple to use for early retirement pl

I will add that I am very happy that I overestimated my retirement expenses. Yeah, I've found it surprisingly cheap living overseas as well. To be honest, I am not sure that it's cheaper to live overseas (for me). But I do live quite a nice lifestyle. For me, it would definitely be a cheaper to liv...
by kramer
Fri Oct 03, 2014 9:05 am
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3036

Re: What SWR/expense multiple to use for early retirement pl

I retired in 2007 at age 41 so I have been through some portfolio ups and downs. I now have partially taken the approach of dividing my retirement into two halves, before 70 and after 70, which is before Social Security and after Social Security. And I combine Social Security with real return invest...
by kramer
Fri Oct 03, 2014 3:45 am
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3036

Re: Motorcycle for short commute?

Electric powered roller skates?? : New product. They go over your existing footwear. Weigh 7 pounds each. Easy to stop and start with foot movements. 12 mph max speed. Quick charging although plenty of range for the OP. Anyway, interesting idea ;-) Personally, I wait for version 2.0. http://www.wire...
by kramer
Fri Sep 26, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4162

Re: The Annuity Puzzlement

My feeling is that for most retirees, as long as space is available in tax deferred, a TIPS ladder is a better approach during the early years of retirement, say before age 80 or so. After that, especially if there's no bequeath motive, the mortality credits from life annuities become large enough ...
by kramer
Thu Sep 18, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 6621

Re: Roth Conversion Caution

You also should be aware that the AGI tiers for SS inclusion have never been adjusted for inflation and are not going to be so if you are not yet at 85%, good chance you will be at some point. This is a huge issue and the reason that I have not been more enthusiastic about conversions. I am staying...
by kramer
Mon Sep 15, 2014 5:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Caution
Replies: 9
Views: 1240

Re: 5-year TIPS real yield goes positive!

Victoria, I was fortunate enough to make these 30 year TIPs purchases in my mid-40's during early retirement so hopefully I won't have to (or want to) cash any of them in early. I am 48 now. However, for someone retiring later, they may decide to buy shorter term TIPs. That could make the decision b...
by kramer
Wed Sep 10, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: 5-year TIPS real yield goes positive!
Replies: 6
Views: 1119

Re: 5-year TIPS real yield goes positive!

Building a decent sized portfolio of ibonds (say $100k on a $1m total portfolio) takes quite a long time. I treat the I Bonds I am buying now as a real "$10k pension" 30 years from now. The idea is that my actual pensions, Social Security and I Bonds would cover my basic retirement needs,...
by kramer
Wed Sep 10, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: 5-year TIPS real yield goes positive!
Replies: 6
Views: 1119

Re: Self-insurance option for auto insurance in TX (601.122)

Why would anyone want to do this, unless they are denied coverage by every insurer? Agreed. $50,000 of liability coverage is simply way too low for anyone with assets or earning power, present or future. And if you have $50,000 to spare, it would make more sense to go ahead and buy liability insura...
by kramer
Wed Sep 10, 2014 3:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Self-insurance option for auto insurance in TX (601.122)
Replies: 12
Views: 873

Re: Bank Closing My Account With No Reason Given

Were you using your Japan address or did you maintain a domestic address for the bank account? You may have trouble opening up a new USA account without a domestic address. I live abroad, and I honestly don't think I could even get a new credit card and I maintain a USA forwarding address and still...
by kramer
Wed Sep 10, 2014 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4037

Re: Bank Closing My Account With No Reason Given

CitiBank has branches in Japan (in Tokyo at least), and I found them to be very helpful while in Japan. I would check them out. Citibank is who I use. But they don't have any connection with Citibank in the US other than the name. What I mean is if I opened a Citibank account in the US, it would no...
by kramer
Wed Sep 10, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4037

Re: Bank Closing My Account With No Reason Given

Were you using your Japan address or did you maintain a domestic address for the bank account? You may have trouble opening up a new USA account without a domestic address. I live abroad, and I honestly don't think I could even get a new credit card and I maintain a USA forwarding address and still ...
by kramer
Tue Sep 09, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4037

Re: Prioritizing: Dream Home vs. Retirement Savings

Conversely, we're suckers for the shows on HGTV that show couples purchasing the most amazing beach houses
I call HGTV "The Consumption Channel"
by kramer
Tue Sep 09, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Prioritizing: Dream Home vs. Retirement Savings
Replies: 33
Views: 2172

Re: Longevity Risk: My Money or Your Life

Valuethinker wrote: But there has not been a revolution in how many people live past 85 say. It's not that we've made it possible for humans to live past their alloted span (say around 100 years) it's just we've worked out how to get more people to that age. Actually, many experts disagree with you...
by kramer
Mon Sep 08, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Longevity Risk: My Money or Your Life
Replies: 22
Views: 1477

Re: Texas - Recommendation Where To Live

My 2 cents is that people often overvalue being close to a particular airport and that this variable requires deeper analysis. If you are flying once a month or less, for instance, I don't see being close as such a big deal. I like the analysis that a poster did earlier in this thread about how long...
by kramer
Mon Sep 08, 2014 6:39 am
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 3001

Re: Good Modern Science Fiction

+1 The Martian Plus, plus. I thought this book was fantastically detailed and I almost couldn't put it down. I downloaded a free PDF version last year (the author's license made it freely distributable) but it is now on Kindle books on Amazon, as well. It is by Andy Weir. You can see lots of review...
by kramer
Mon Sep 08, 2014 2:21 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5527

Re: WSJ on leaving Roth IRA to heirs.. no so fast???

Useful article. Thanks. The article didn't elaborate on this, but I guess they could easily put in the tax code that a ROTH IRA distribution counts as income toward deciding if your Social Security is taxable (or that you owe a higher Medicare Part B premium). Even if the ROTH IRA distribution itsel...
by kramer
Mon Sep 08, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ on leaving Roth IRA to heirs.. no so fast???
Replies: 11
Views: 1918

Re: William Sharpe advises against rebalancing

I sure am glad that I rebalanced in late 2008 and early 2009. We can’t all rebalance, because rebalancing to pre-selected proportions means selling relative winners and buying relative losers. Since we can’t all do that, the question is: If this is the obvious thing to do, with whom are you going to...
by kramer
Thu Sep 04, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: William Sharpe advises against rebalancing
Replies: 32
Views: 2692

Re: Thailand/Cambodia Travel Recommendations

You are traveling in the rainy season and yes that is a lot of travel in 8 days. I thought two full days was enough in Siem Reap. I did two full day tours, one through Angkor Wat and one of the Tonle Sap lake area. We actually enjoyed the latter more. This February Angkor Wat was pretty much a touri...
by kramer
Thu Sep 04, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Thailand/Cambodia Travel Recommendations
Replies: 22
Views: 1403

Re: Overseas Retirement

Roxie, welcome to the Bogleheads. I have lived in 4 different countries (Colombia, Mexico, Thailand, Philippines) as an early retiree. I make my home now in the Philippines. My personal opinion is that, for the most part, when you include ALL costs, it is just as cheap or cheaper to live in an inexp...
by kramer
Tue Sep 02, 2014 2:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Overseas Retirement
Replies: 7
Views: 1158

Re: Changes to T-Mobile's pay-as-you-go plan

I recharged mine just last month after an 11 month period since the last recharge ($10 recharge). I have never changed plans or used data. I recharged around July 8, 2014. It still has the same plan balance. However, the expiration date is no longer there (should be about July 8, 2015). My account s...
by kramer
Mon Aug 25, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Changes to T-Mobile's pay-as-you-go plan
Replies: 8
Views: 2036

Re: using the 15% tax bracket

Thanks for the great discussion. I am a retiree in my late 40's whose taxable income consists almost entirely of qualified dividends. Less than one-third of my net worth is in an IRA and it is almost entirely in bonds. Most of the taxable account is in equities plus some of the higher rate I-bonds. ...
by kramer
Mon Aug 25, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4581

Re: Sending cash back to myself in the US (from Brazil)

Just the act of going to a bank to ask about this could draw unwanted attention. And while this is a lot of money, it is not *that* much money (e.g., if you lose it, it would not be the end of the world). Just try to keep it safely locked up in your hotel room. Rio is downright dangerous, don't take...
by kramer
Fri Aug 22, 2014 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Sending cash back to myself in the US (from Brazil)
Replies: 3
Views: 430

Re: Motorcycle for short commute?

joe8d wrote:Hold on.The Elio( $ 6800 ) should be going in production soon.It has A/C

Yeah, these recent threads on motorbikes makes me think there really is a market for this thing -- I certainly hope so.
by kramer
Sun Aug 17, 2014 5:16 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4162

Re: Cost of Medical Records

> The amount seems outrageous It is. But if you ask for the billing record, I am sure they will provide that for free ;-) I think I paid Kaiser 15 cents a page back in 2007 and also had to wait awhile and then go in there in person to collect them. Now that I proactively manage my own health care, I...
by kramer
Sun Aug 17, 2014 5:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Medical Records
Replies: 16
Views: 1087

Re: Affording a 1.3 million home?

How certain are you that you will continue to live in the Bay Area? An alternative life path that I think you should consider is living where you are for another few years (maybe sell your current home and rent a bigger place as needed), continue working and saving a good deal of money. Then, once ...
by kramer
Thu Aug 07, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11557

Re: How do you document your HSA "stuff?"

I use a similar technique. At the end of each year, I write a list of the expenses on a yellow sheet of paper and then total them up. I have another piece of yellow paper where I write the total for each year. Then, I take a picture of each receipt and also a picture of the two yellow papers. I stor...
by kramer
Tue Aug 05, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2250

Re: VPW calculator

Yes, you can go to this site and get the same results as VPW with a simple calculator: http://tcalc.timevalue.com/all-financial-calculators/retirement-calculators/retirement-spending-calculator.aspx Just enter the future real rate of return of your investments, the number of years that you will be w...
by kramer
Fri Aug 01, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: VPW calculator
Replies: 4
Views: 462

Re: On the Road/Air/Water Retirement

I have a Canadian friend who travels to Asia for 7 months each year, from about mid-October to mid-May. He owns a house in a nice area of Toronto that is near a university. So he rents his place out, fully furnished, for these 7 months each year to students. It helps defer his housing costs. He keep...
by kramer
Sun Jul 27, 2014 1:50 am
 
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 5406

Re: Treasury Direct--just blowing off steam

Is the following correct, based upon my reading of this thread: * When I sign up for a Treasury Direct account, I can sign up with TWO linked bank accounts. * Switching between these accounts as my Primary account within Treasury Direct can be done online and without filing forms Is the above correc...
by kramer
Sat Jul 26, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4460

Re: How indexing let these retirees live footloose and fancy

If they are college educated and retired at age 38 that gives them what....15 years of social security earning history? Those upcoming social security checks aren't going to be very big. Social Security is highly progressive. You hit the first bend point around $400K lifetime income under SS cap. A...
by kramer
Wed Jul 23, 2014 4:25 am
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 35
Views: 4073

Re: How indexing let these retirees live footloose and fancy

They did not start out spending $30,000 per year back in the early 90's when they retired, that is what they spend now. So their withdrawal rate was not 6%. I can recall that throughout the mid-2000's their spending level was consistently about $24,000. $500K 1991 is around $830K more recently in i...
by kramer
Tue Jul 22, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 35
Views: 4073

Re: Help me select a streaming media device

I don't have Amazon Prime. what is western digital live? That's a new one for me. gatorman It is first and foremost a media player. That means it has hard drive storage or USB ports to plug a portable hard drive into and can play media files stored on there and then the video output goes to your te...
by kramer
Tue Jul 22, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1906

Re: How indexing let these retirees live footloose and fancy

They did not start out spending $30,000 per year back in the early 90's when they retired, that is what they spend now. So their withdrawal rate was not 6%. I can recall that throughout the mid-2000's their spending level was consistently about $24,000. They are very nice people and I know them pers...
by kramer
Tue Jul 22, 2014 3:19 am
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 35
Views: 4073

Re: Directing asset allocation for early retirement

I retired at age 41 and I think my taxable was about 2/3 of my net worth. And my overall asset allocation for all my accounts was about 65% equities and 35% fixed income. Anyway, I did not compromise too much and so, on average, over 90% of my taxable has been in equities. I do track both my SWR fro...
by kramer
Sat Jul 19, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Directing asset allocation for early retirement
Replies: 14
Views: 2072

Re: Paperwhite for Cloudy-Day Reading

I am very happy with my Kindle Paperwhite 2. The biggest weakness is seeing illustrations in a book. I was reading a scientific book on it yesterday and the charts were absolutely useless to me. I have to look at the same book on my regular tablet to see them. I had another book on pool and that one...
by kramer
Thu Jul 17, 2014 3:08 am
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1885

Re: Overseas Residents And the Affordable Health Care Act

Arby, just a couple of quick notes: * When you are eventually eligible for Medicare, I think you can get treatment in Guam/Saipan. That would at least be an option for you that is closer than Honolulu -- you can get direct flights to Guam via Taipei or Hong Kong, among other choices. Guam is a 4 hou...
by kramer
Wed Jul 16, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Overseas Residents And the Affordable Health Care Act
Replies: 10
Views: 1097

Re: Footwear in Vietnam

wander wrote:If you are going to ride motorbike, then shoes are the must have. Sandals are fine. Jeans are popular in Vietnam.
Good point, I was going to mention this, also.
Vietnam has 3 distinct climate zones and the seasonal climate is always bad in at least one of them.
by kramer
Tue Jul 15, 2014 5:05 am
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2232
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