Search found 465 matches

by Diogenes
Wed Aug 23, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying property in France
Replies: 6
Views: 522

Re: Buying property in France

Dear Bogleheads, My wife and I are thinking about buying a 25% stake in a vacation home in France. My wife's three brothers will each have 25% shares. GS Never, ever get involved in jointly owning property with relatives, friends, strangers, anyone. Location is irrelevant. Disputes will invariably ...
by Diogenes
Thu Aug 17, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 9607

Re: Anyone planning on never retiring?

I - The SS system will be defunct by the time I'm eligible due to gross mismanagement - 401k can be taken from me by the stroke of a pen. We're living in a unique period of history. Will it always be thus? (Probably not....) So it's rather likely I'll need to keep working until I'm in the grave. Bu...
by Diogenes
Wed Aug 16, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 9607

Re: Anyone planning on never retiring?

I am 58, and I don't ever see myself retiring. It's not that I wouldn't have the money to do so, it's that I still feel young, I want to be challenged, I like the structure of working, and I need the social contact. Am I the only person to feel this way? No, but many who say that are really using i...
by Diogenes
Mon Aug 14, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 77
Views: 7115

Re: How I use I-ORP, and who shouldn't

chuckb84 wrote: ...Since I retired at 61, if I postponed SS to age 70 to maximize total retirement spending, I'd draw down my 401k by 40% before I got there, OTOH, if I took SS at 62, the drawdown is no more than 10%. Postponing SS to 70 results in about 1% more total spending in retirement (from 6...
by Diogenes
Sat Aug 12, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 8014

Re: Retire early, live abroad until 65 and come back

Someone even earlier mentioned accounts being frozen - this seems like a double standard. On one hand, as an expat (but still US citizen), you're expected to still pay US taxes. BUT, you aren't allowed to have US-based financial accounts? I haven't found this to be a serious issue over the past 10 ...
by Diogenes
Thu Aug 10, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 6400

Re: I pay $6K in rent. Am I an idiot for not buying?

If your rent is less than 10 percent of your monthly gross, it really is a non-issue. Keep the place you have and be happy. Housing costs are not significant to you, as long as your income is stable over the long term. If/when you marry and have kids, your housing priorities will change anyway. Some...
by Diogenes
Sun Aug 06, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 3693

Re: Bose Noise Cancelling Headphones

I take frequent 6-14 hour plane rides and have done so for years. After first trying the Bose corded version, QC15 I think, I have never intentionally been on a long flight without them. Always arrive much better rested. After about 4 years of heavy use, the plastic band cracked. Contacted Bose supp...
by Diogenes
Wed Aug 02, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 8014

Re: Retire early, live abroad until 65 and come back

According to https://www.numbeo.com/cost-of-living/comparison.jsp Living abroad is cheaper than in US One country every year. Sell everything in the US (no property tax), no car expense. Do Roth conversion every year to 15% bracket for zero cap gain tax on aft-tax account. Pay cash for health care ...
by Diogenes
Wed Aug 02, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Month in the South Pacific?
Replies: 8
Views: 1052

Re: Suggestions for Month in the South Pacific?

Only a month?
Why limit yourself?
At 73, the hardest part will be the flights. Take longer if you can.
by Diogenes
Sun Jul 30, 2017 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Best bank for frequent travel friendly international wire transfers?
Replies: 10
Views: 739

Re: Best bank for frequent travel friendly international wire transfers?

Haven't use them but what about https://transferwise.com Fee seem to be about 1% for currency transfer or $1.30 if not transferring. There is a list of supported currencies and countries on the site. There is a USD limit of $10k after which they say they have to ask questions... but they yearly lim...
by Diogenes
Sat Jul 22, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3250

Re: Home Security System with/without monitoring

I have an Alarm.com system at a house that I rarely live in. The system was installed by a professional and has an option for monitored or not. In either event you have a robust interface to control it. Works well for me.
by Diogenes
Tue Jul 18, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1554

Re: ATM card for overseas travel

Schwab is great for rebating overseas ATM fees. I have one but use it only for backup and leave it locked up.Backup card is essential. Primary for ATM use is USAA. They also rebate and are a great company. Using them I can isolate my other accounts at Schwab and other places. Only risk is the cash I...
by Diogenes
Tue Jul 18, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Problem logging into Vanguard from abroad
Replies: 17
Views: 3099

Re: Problem logging into Vanguard from abroad

CFM300 wrote:
Diogenes wrote:If you travel overseas often, just get a VPN. Problem solved.

Depends on the country. Some countries, like China, block VPNs!


Except the OP is not in China or North Korea. In the other 98 percent of the World, the VPN will take care of this issue quite nicely.
by Diogenes
Tue Jul 18, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 2520

Re: Tumbling USD -- expats

"Tumbling" sounds a tad forced. The US dollar has actually been rising for the past few years. Yes. it seems the term 'tumbling' is from cable news. It has ups and downs, but the historic post election market bump has more than made up for that. I'm an expat with my investments in the U.S...
by Diogenes
Sun Jul 16, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 10119

Re: Long term care insurance - is it worth it?

So for 100K paid up front, the salesman takes 4-6K off the top, and the buyer gets a 6K per month for 25 months (150K max) or 5.3K per month for life (132.5K over 25 months, average stay 28 months). Good deal for the salesman, but can't see how it is good for anyone else. Especially when you factor...
by Diogenes
Fri Jul 14, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Problem logging into Vanguard from abroad
Replies: 17
Views: 3099

Re: Problem logging into Vanguard from abroad

If you travel overseas often, just get a VPN. Problem solved.
Vanguard is not the only one that blocks btw.
by Diogenes
Wed Jul 12, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 10119

Re: Long term care insurance - is it worth it?

So for 100K paid up front, the salesman takes 4-6K off the top, and the buyer gets a 6K per month for 25 months (150K max) or 5.3K per month for life (132.5K over 25 months, average stay 28 months). Good deal for the salesman, but can't see how it is good for anyone else. Especially when you factor...
by Diogenes
Tue Jul 11, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 10119

Re: Long term care insurance - is it worth it?

In my experience, no one buys these policies without the lifetime rider. Can you give us an illustration of policy premiums with and without the rider? For the example, let's say it's a 65 year old female in good health. When you have the rider what is the maximum annual reimbursement rate after th...
by Diogenes
Sun Jul 09, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: health insurance after retirement?
Replies: 29
Views: 2795

Re: health insurance after retirement?

Health insurance is the biggest financial hurdle to early retirement, as BH members have posted. My family of 3 sees premiums going over $2500/month. I just finished an interesting book, The Healing of America , by TR Reid. He travels the world interacting with various countries' healthcare systems...
by Diogenes
Sun Jul 09, 2017 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 10119

Re: Long term care insurance - is it worth it?

In my opinion, for many, buying LTCI reduces need to take risk, increases ability to take risk, and keeps willingness constant. These sortof cancel, leaving a constant AA. The standard answer is that one takes no more risk than one needs to take, therefore reduced need means investing more conserva...
by Diogenes
Sat Jul 01, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 6268

Re: Should I move abroad to minimize health care costs?

Below topic has discussed this, as have several others. It's always wise to explore your options. In the 1st world places you would want to be for healthcare, getting a work visa will not be easy. In those 2nd world places with decent care, the wage scale will be low even if you could get the work v...
by Diogenes
Fri Jun 23, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 25812

Re: Early Retirement - what to do about healthcare?

This conversation is both eye-opening (something I had not yet thought about) and terrifying at the same time. I enjoy hearing from American's living overseas and their experiences with foreign healthcare...something people tend to demonize here. Not to start up any political talk, but it makes no ...
by Diogenes
Thu Jun 22, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 25812

Re: Early Retirement - what to do about healthcare?

I always smile when I hear people talk of planning to move overseas primarily for healthcare reasons. It usually means they haven't lived in any of those places, or anywhere else besides the States. Vacations don't count. Most people accustomed to the U.S. lifestyle would not appreciate Third World ...
by Diogenes
Mon Jun 19, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Garage Parking Aid
Replies: 28
Views: 2277

Re: Garage Parking Aid

Any products that are good for parking assist on the sides? We have a water heater that is on one side of where DW parks. Rather not put in a pole, just a gentle reminder...
by Diogenes
Fri Jun 16, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2590

Re: Having someone else pay our mortgage

Coincidently, at work today I learned one of my co-workers is doing the same thing as we are considering. He and his wife recently bought a house in a high priced resort area. He is 15 years out from retirement, and they are currently renting it out and just about breaking even once taxes are consi...
by Diogenes
Thu Jun 15, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 16064

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

Smitcat,

You're absolutely right, I was not trying the long form iORP. Took a look and it asks for a great deal more information than I have. Sent it to him to figure out!
by Diogenes
Wed Jun 14, 2017 2:25 am
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 16064

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

This never fails to be an interesting topic. Let's try this: My business partner will retire at age 62, about three years from now. Given his set of circumstances, he feels his spouse, who retired this year at age 59, should claim her SS at 62. We have discussed this a few times as he feels I shoul...
by Diogenes
Mon Jun 12, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Recommendations on Home Alarm Systems
Replies: 18
Views: 1727

Re: Recommendations on Home Alarm Systems

Alarm.com system, hardwired, with separate video surveillance system, also hard-wired. Backed up on-site and personal cloud. A couple of years ago I was researching this topic to remotely cover a house for the long-term that is not lived in most of the year. What I found were a few things that jumpe...
by Diogenes
Sat Jun 10, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 56
Views: 5394

Re: Does anyone read the Wall Street Journal?

I've made this comment in another thread but it is worth repeating. I can get the WSJ free on my iPad via the Overdrive app from my public library. Really quite painless even for me that's not all that internet savvy. If you're on the fence about subscribing this would be a good way to get a free t...
by Diogenes
Sun May 21, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 16064

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

This never fails to be an interesting topic. Let's try this: My business partner will retire at age 62, about three years from now. Given his set of circumstances, he feels his spouse, who retired this year at age 59, should claim her SS at 62. We have discussed this a few times as he feels I should...
by Diogenes
Thu May 18, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1922

Re: Upcoming travel plans with electronics

m may have a section on this (?). Yes, here: m The proposal appears to be off the table for now because the EU and airlines/pilots balked at the thought of flying with hundreds of batteries in the checked luggage. Didn't see anything in the link about it being 'off the table.' There are already man...
by Diogenes
Tue May 09, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 3181

Re: Expat Retirement Location with Health Care Eligibility

Moving overseas strictly for healthcare reasons is a prescription for disappointment. That's a guarantee if you have significant health issues upfront. Healthcare is only one factor in the quality of life comparison. Many other factors could easily outweigh that for most. If you venture out to actua...
by Diogenes
Sun May 07, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 3181

Re: Expat Retirement Location with Health Care Eligibility

So, health care in retirement is looking like more of a wild card than planned for, which got me to thinking: Any suggestions for countries that meet all three criteria? - Warm, medical coverage, and property ownership allowed? There are many other considerations. I second the suggestion to look at...
by Diogenes
Fri Apr 21, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: US Citizen living in Europe - mid-life transition and plan
Replies: 2
Views: 670

Re: US Citizen living in Europe - mid-life transition and plan

Laotzu, Your questions appear to be independent of where you happen to live. That said, how long have you been in the CR? Do you have residency, employee card, or a long-stay Schengen visa? Do you have dual EU citizenship? To get a good summary of your actual holdings breakdown instead of fund names...
by Diogenes
Mon Apr 17, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: I got a FACTA-related form from my home country?
Replies: 24
Views: 1294

Re: I got a FACTA-related form from my home country?

I believe the FBAR requires filing only if the foreign account held more than $10,000 at any time during the year.
by Diogenes
Sun Apr 02, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 35
Views: 3716

Re: Nespresso capsules

Amazing that prices on the capsules are so different, more than warranted by currency fluctuations. It's a good product, with consistent quality, my machine runs every day.
What are the sleeves selling for in the States theses days?
by Diogenes
Thu Mar 30, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Moving money between countries
Replies: 14
Views: 1313

Re: Moving money between countries

Bank wire transfer is generally the worst way to move money. High fees, bad rate spread. Try TransferWise, you will receive the spot rate and a low fee. I uses them frequently. Great app, and efficient movements. You would trust a large sum to this outfit? No thanks. I'll use one of the major inter...
by Diogenes
Wed Mar 29, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Moving money between countries
Replies: 14
Views: 1313

Re: Moving money between countries

Bank wire transfer is generally the worst way to move money. High fees, bad rate spread. Try TransferWise, you will receive the spot rate and a low fee.
I uses them frequently. Great app, and efficient movements.
by Diogenes
Tue Mar 28, 2017 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Using Schwab for primary checking account
Replies: 18
Views: 1862

Re: Using Schwab for primarDy checking account

Schwab is great for many reasons. I don't use the banking features as primary simply because I don't want any connection to a card used and the significant investment accounts I also keep there. I live outside the U.S. and there is significant risk of skimming/fraud at ATMs in many places. I have a ...
by Diogenes
Fri Mar 10, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 10293

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Here is another source: Europe Votes To Impose Visas On Americans Following today's vote, the EU Commission now has two months to reintroduce visas for Americans wishing to travel to Europe, after MEPs agreed the EU is now “legally obliged” to suspend the Visa Waiver Programme (VWP) with the US It ...
by Diogenes
Mon Feb 27, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Offshore diversification
Replies: 6
Views: 1445

Re: Offshore diversification

Opening a Barclays account is allowed. My thoughts are: I plan to spend some time in Europe after I retire and want a global bank. I'm concerned about cyber security and want more global and diversified accounts. I'm interested in investigating some global investment products. I assume you are a U....
by Diogenes
Mon Feb 20, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Offshore diversification
Replies: 6
Views: 1445

Re: Offshore diversification

Elb2000,

Welcome to the forum! Can you provide some details about your situation, and what you feel you would gain by opening a foreign account, even if allowed to do so?
by Diogenes
Wed Feb 15, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 127
Views: 18911

Re: The Wall Street Journal to close Google loophole entirely

The google trick may not be working, but facebook referral still gets the job done. edit: to clarify, this can be done automatically with a bookmarklet, which I call WSJ in my bookmarks bar, consisting of the Javascript code: javascript:window.location="https://m.facebook.com/l.php?u="+en...
by Diogenes
Tue Feb 14, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Wearable Fitness Tracker - Emphasis On Swimming
Replies: 7
Views: 632

Re: Wearable Fitness Tracker - Emphasis On Swimming

I use the Fitbit Flex2 in the pool several times per week. Generally works fine tracking laps most of the time. I have noticed, now that I mainly use a 50m pool, that for some reason it is less accurate than in the 25m. Can't figure out why, and it usually slightly over counts. In the settings you s...
by Diogenes
Tue Feb 14, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 127
Views: 18911

Re: The Wall Street Journal to close Google loophole entirely

If one decides to pay for a subscription, I would not recommend giving WSJ your PayPal account for payment. After my subscription ended, they continued to withdraw funds without notice from my PayPal account. It has taken me too many hours trying to work the issue with PayPal. scription It's made m...
by Diogenes
Sun Feb 12, 2017 2:23 am
Forum: Investing - Theory, News & General
Topic: 'Won the game', but what factors could potentially derail it?
Replies: 57
Views: 4870

Re: 'Won the game', but what factors could potentially derail it?

There are factors that limit quick government tax increases on a national basis, and most individuals in the U.S. have not been directly permanently personally impacted by cybercrime (other than temporarily) or alien invasion (that we know of...) Luckily, Americans have far more personal protections...
by Diogenes
Fri Feb 10, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Extended Globus Europe Tour - Thoughts?
Replies: 18
Views: 1742

Re: Extended Globus Europe Tour - Thoughts?

I wasn't aware Americans still did those types of tours in Europe, other than the 17 countries in 10 days type.
If are retired and fit and in your 50's, why not put something together yourself?
Unless you are extremely adverse to any inconvenience, making your own way is half the fun!
by Diogenes
Mon Feb 06, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Africa honeymoon in July/August
Replies: 8
Views: 982

Re: Africa honeymoon in July/August

Congrats on the upcoming big event! I have lived in Africa for 4-5 years and currently hang my hat in Cape Town. I don't really recommend a 10 -12 day trip from the States to anywhere in Africa, certainly not for a honeymoon. The travel time to the continent is long, and it usually takes at least a ...
by Diogenes
Sun Jan 22, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: U.S. brokerages and retiring abroad
Replies: 24
Views: 2378

Re: U.S. brokerages and retiring abroad

Umm...If you have a concern about a problem due to accessing Vanguard from outside the U.S., simply use a VPN.
I've lived overseas for years and have not had an issue with brokerage accounts opened previously in the States.

_D_