Search found 443 matches

by Diogenes
Fri Jun 23, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 147
Views: 15748

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: 147
Views: 15748

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: 22
Views: 1476

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: 11
Views: 1845

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: 14932

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: 14932

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: 1467

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: 4739

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: 14932

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: 1696

Re: Upcoming travel plans with electronics

http://www.FlyerTalk.com may have a section on this (?). Yes, here: http://www.flyertalk.com/forum/checkpoints-borders-policy-debate/1841420-electronic-devices-ban-europe-us-merged-threads-54.html The proposal appears to be off the table for now because the EU and airlines/pilots balked at the thou...
by Diogenes
Tue May 09, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 2925

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: 2925

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: 649

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: 1182

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: 3478

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: 1190

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: 1190

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: 1645

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: 9721

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: 1195

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: 1195

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: 17486

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: 560

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: 17486

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: 4744

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: 13
Views: 1123

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: 931

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: 2245

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_
by Diogenes
Thu Jan 05, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 5845

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

Just received the 100k bonus. Now what to do with it? After the $300 yearly bonus, and covering my Global Entry renewal this year, as well as the Priority Pass access at no charge. I'll come out at least $350 ahead when the dust settles. I like the service they provide and the other small benefits, ...
by Diogenes
Sat Dec 31, 2016 12:26 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 7409

Re: Affordable home exercise

Most home exercise equipment quickly ends up in a corner. I suggest pulling on some running shoes and drive if you must to a large park where long runs are safe. Most will have some sort of paracourse equipment for pull-ups etc. Far better to get out. Your local YMCA may be cheaper than you think al...
by Diogenes
Sat Dec 24, 2016 12:08 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 9734

Re: Financial Independence is not the Holy Grail

I enjoyed the White Coat investor's insights, which he himself describes as a rant ( I thought it to be entertaining and for me educational as to defining financial independence to further your life's happiness). I enjoyed the link he provided regarding the IRP (Internet Retirement Police) as well....
by Diogenes
Sat Dec 24, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 3445

Re: Help choosing a mattress

I went through all of this earlier this year. Lots of research. Learned that going to a mattress store is not the way to go. We have had a fantastic experience with our purchase of a Zenhaven mattress. They are owned by Saatva, a well established company, and produce high quality natural latex prod...
by Diogenes
Fri Dec 23, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 3445

Re: Help choosing a mattress

I went through all of this earlier this year. Lots of research. Learned that going to a mattress store is not the way to go. We have had a fantastic experience with our purchase of a Zenhaven mattress. They are owned by Saatva, a well established company, and produce high quality natural latex produ...
by Diogenes
Sun Dec 11, 2016 1:51 am
Forum: Personal Consumer Issues
Topic: What site do you prefer for online doc storage?
Replies: 18
Views: 1497

Re: What site do you prefer for online doc storage?

Dropbox with an encrypted folder for the documents. For that I have found Viivo interfaces easily with Dropbox and the encryption (AES-256) takes place before the files arrive at Dropbox. That would make it harder for the hackers, as I'm sure DB will be again hacked in the future. Once a year or so ...
by Diogenes
Tue Dec 06, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7943

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

Although you didn't say, is the trip just a short vacation? If so, I would think of the kid (he will have no memories of the trip, but will be uncomfortable), and think of the other passengers also. I have been on a long full flight where a parent sitting next to me didn't want to buy the extra tick...
by Diogenes
Sat Nov 26, 2016 1:42 am
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 3836

Re: World Travel Insurance, Worth it?

Many of the travel insurance products sold are not worth it, in my opinion. They make a great deal of money for travel agents and other travel providers. These include baggage insurance, trip interruption, trip delay, trip cancellation, auto CDW, Medevac (except for Medjet, discussed below), and gen...
by Diogenes
Tue Nov 08, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 80
Views: 23574

Re: If I Knew Then What I Know Now

Very good summary by Michael. I too will send it along. I will add something however which he touched on but bears emphasis in the conclusion: Don't choose a career solely based on money. Success is not about how much money you have in the bank, how big your house is, or a rush to financial independ...
by Diogenes
Mon Nov 07, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: iWatch, FitBit or...?
Replies: 15
Views: 1527

Re: iWatch, FitBit or...?

I like my Fitbit Flex 2. Nice solid low profile device that records runs, walks and swims with surprising accuracy. I used a first generation Flex for a long time (mostly to track runs) and generally liked it for that purpose. The 2 is better since you wear it also in the pool. If you turn off 'all ...
by Diogenes
Sun Nov 06, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wiring funds abroad from Vanguard
Replies: 34
Views: 6236

Re: Wiring funds abroad from Vanguard

Banks routinely make significant money on the spread from the spot rate in currency transfers. Vanguard has no control over that. Banks on the other end do as well (frequently more so, plus fees) if you send the funds in Dollars. As mentioned, there are other far better options like TransferWise. Th...
by Diogenes
Sat Nov 05, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 28864

Re: Chase Sapphire Reserve: Too good to be (completely) true

Sounds like an odd airport out. In the 3 years or so I've used GE, I never had a need to use the card and stopped carrying it long ago. As mentioned, it is primarily designed for land and sea entry points. Normally I plan flights that connect directly to AMS/CDG/LHR. Easier that way. Some years ago ...
by Diogenes
Wed Nov 02, 2016 12:12 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 28864

Re: Chase Sapphire Reserve: Too good to be (completely) true

So I don't understood this thread. Is this a good card to keep and pay the recurring monthly fees, or collect and then dump? I would say no. I won't pay a $450 annual fee unless I am using $450 in benefits. You get the $300 travel credit. It applies to a lot of things (like public transportation an...
by Diogenes
Sun Oct 23, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 18
Views: 1936

Re: Use of TransferWise to move money - my experience - your thoughts?

I've used ozforex/usforex https://www.ofx.com/en-us/ several times for 5 figure amounts. Their rates are better than XE.com. You still lose >0.5% compared to interbank rates, and you may do better with your ATM and credit card. I know nothing about TransferWise. USFOREX is a very interesting option...
by Diogenes
Sun Oct 23, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 18
Views: 1936

Re: Use of TransferWise to move money - my experience - your thoughts?

Thanks LateStarter and Kd, I took a quick look at both Zoom and WorldRemit. Unfortunately the upper limit for Zoom appears to be $2999 and for WorldRemit, $2000. I did note the low fees with interest, and I liked that Zoom was a Paypal company. If it wasn't for the low transfer max, WorldRemit would...
by Diogenes
Fri Oct 21, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Assistance Requested: Candidate to be CEO of a Small Business
Replies: 23
Views: 2443

Re: Assistance Requested: Candidate to be CEO of a Small Business

Mikestorm, Can you tell us a little about how you were 'approached' for this position? Does the business any way relate to what you were doing at your current job? Have you had experience as a Senior Officer in a small or medium company? Are they asking you to 'buy in' in any way? Are you familiar w...
by Diogenes
Wed Oct 19, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 18
Views: 1936

Re: Use of TransferWise to move money - my experience - your thoughts?

I have questions! Can you open a bank account abroad and then use transfer wise to deposit funds from USD to XXX? That would solve a problem I have. When you say larger amounts --> Transferwise, smaller amounts --> AMT, what is a "larger amount"? I've only used ATMs abroad for daily expen...
by Diogenes
Wed Oct 19, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 18
Views: 1936

Re: Use of TransferWise to move money - my experience - your thoughts?

Here's a website to compare money transfer services: http://moneytransfercomparison.com This is a very interesting, thanks. Many of these companies I had not heard of. I just looked at one, Currencies Direct, and it appeared I would need to get the funds to their UK bank. As I'm sending from a acco...
by Diogenes
Wed Oct 19, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Use of TransferWise to move money - my experience - your thoughts?
Replies: 18
Views: 1936

Use of TransferWise to move money - my experience - your thoughts?

In previous topics concerning ways to move funds overseas, TransferWise was one option mentioned. I recently used them for two significant transfers and my experience is below. If anyone has any negative experiences with this company I would like to hear about it. I plan to use them frequently. TW i...
by Diogenes
Sat Oct 08, 2016 12:18 am
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 4014

Re: Join AARP

How about AMAC as an alternative to the crazy side of AARP?

Http://WWW.AMAC.US
by Diogenes
Wed Sep 28, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 39731

Re: The Bogleheads' "100 Things Worth Every Penny" List

Global Entry (long flights + long immigration lines are no unbearable) You might try Global Passport. You can get the official app and now with those new kiosks at many points of entry it's another alternative. I've recently seen it be sometimes faster than when I use Global Entry... I would add to...
by Diogenes
Tue Sep 27, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Currency risk for 5.5 percent? Missing something?
Replies: 30
Views: 2624

Re: Currency risk for 5.5 percent? Missing something?

Valuethinker, You make good points about the crime corruption, and infrastructure, but those issues are far worse elsewhere in Africa. Living in Cape Town you really see few of those problems. It is a first world city with a first world infrastructure, continually ranked as one of the top global cit...

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