Search found 676 matches

by halfnine
Thu Aug 17, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Folding Electric Bike
Replies: 25
Views: 1364

Re: Folding Electric Bike

Based on what I've seen for a higher price you are getting a lighter weight, an even smaller fold, or performance that is closer to a road bike. Depending on one's usage any of those could be quite important in their own right. But since you are looking for a bike that you can ride around casually a...
by halfnine
Sun Aug 06, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7892

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

I'll just note a few comments Kramer and AlohaJoe always provide great advice in these type threads. Quality healthcare can be obtained abroad in many countries for reasonable prices. And, for those in search of a global insurance plan, I used IMG Global for many years. Yes, people can live just as ...
by halfnine
Sun Aug 06, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 57
Views: 3696

Re: How much do kids cost in a high COLA?

I've come to the conclusion that kids have an opportunity cost that takes it shape in some combination of time, space, stuff, social capital, and money. And the more you have of any one of them the less you may need of the others. So, for instance those who have a SAHP (time), a large house (space) ...
by halfnine
Sun Aug 06, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Question for MTB'rs. Buying a bike.
Replies: 22
Views: 1259

Re: Question for MTB'rs. Buying a bike.

I am a big believer in frame geometry. At those costs, I'd look at various manufacturers and buy the frame that has the geometry that best suits my build and riding style. Then customize the rest of the parts around it.
by halfnine
Sat Jul 15, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 105
Views: 6025

Re: What advice to give 21 year old?

If I recall correctly you have an 8 figure net worth and are looking at inheritances for you kids in 7 figure ranges. At this point we are talking about family money in one form or another, it is just a matter of when or how. So, I might consider recommending 100% global stock and self-insure his ta...
by halfnine
Fri Jul 14, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6534

Re: Is it Safe to Get Your DNA Tested?

Is anyone aware of any of company abroad that does DNA testing? Preferably where one could do it anonymously.
by halfnine
Fri Jul 07, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is the 'global market portfolio' rational for someone living in a small economic area like the Eurozone?
Replies: 60
Views: 3303

Re: Is the 'global market portfolio' rational for someone living in a small economic area like the EU?

Your allocation is a huge vote against the US market. My personal preference is not to make any large bet for or against a foreign country but also due to concentration risk to limit a country to max 40% total for stocks and bonds combined. Personally that puts me at about 30% US stock and 10% US bo...
by halfnine
Fri Jul 07, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2469

Re: Stress Testing Plans: How much stress?

I am not convinced that any asset is riskless. As such, as a risk reduction strategy (or for stress testing) I have been toying with the idea of capping each asset class to an individual maximum of 40% of the uncapped sum of all asset classes. Separating the asset classes (or income streams if one p...
by halfnine
Wed Jul 05, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 6252

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

One of the biggest wildcards in personal finance is health care costs. We are 37 and 40. DW and I won’t have kids. We are both freelancers and don't qualify for subsidized insurance. We pay around $600 per month for our high deductible health plans. We make $120,000 per year give or take. One of my...
by halfnine
Fri Jun 16, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 7913

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

I quickly skimmed but not sure if I saw it mentioned already. If done correctly she should be paying close to zero in taxes and be eligible for lower health insurance premiums. Each tax year she would need to balance her capital gains and likely also perform IRA conversions to a Roth keeping both in...
by halfnine
Tue Jun 13, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Non-US citizen parent wants to gift wealth
Replies: 21
Views: 1935

Re: Tax question - Non-US citizen parent wants to gift wealth

..... One last question if anybody can answer. Say my father sells some property and the amount over 100,000 is transferred to me. I will report it but when do the taxes actually kick in? Specifically at what threshold has to be reached before the US government taxes the gift my father gives to me....
by halfnine
Mon Jun 12, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 1997

Re: Best way to book multi-city international airfare itinerary?

Historically, going back to the 90s, I've booked my multi-city international travel with Airtreks. They were bought out a while back by Bootsnall. The agents are most beneficial the more complicated the journey as they are aware of the various deals available among local carriers. They have an onlin...
by halfnine
Sat Jun 03, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 19393

Re: KF's Worst Case Retirement Plan [KlangFool's]

I think financially you'd be fine. If risk shows up you have home equity and the option to move where COL inclusive of healthcare is cheaper. Worst case, that would be abroad. I still see two issues, though, unless you are willing to work at at a more menial job down the road. 1. How close do you wa...
by halfnine
Mon May 29, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: best watch for climbing/mountaineering?
Replies: 9
Views: 933

Re: best watch for climbing/mountaineering?

It's unlikely you will be wearing a watch on your wrist either when climbing (dangerous for your limbs) or mountaineering (under layers). Attaching it to a pack is no big deal but the watch needs to be rather robust and, depending on where you are going, resistant to cold weather. Digital displays o...
by halfnine
Thu Apr 20, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Should I tilt to Country of Birth in asset allocation?
Replies: 11
Views: 1214

Re: Should I tilt to Country of Birth in asset allocation?

Globally weight equities. Then tilt to the other county in fixed income with bonds, CDs, or saving accounts accordingly. It's cheapest generally just to buy these locally but make sure that they are owned individually and not as an ETF or mutual fund to prevent PFIC isssues.
by halfnine
Mon Apr 17, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Hiking the Tahoe Rim Trail
Replies: 21
Views: 1975

Re: Hiking the Tahoe Rim Trail

I have backpacked a little bit of the trail and biked a little bit of it as well. I really don't know much about enough it to really compare and contrast the sections. Though I will agree with a previous post in that you really can't go wrong with the Desolation Wilderness portion. As for snow, sno...
by halfnine
Sun Apr 16, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Hiking the Tahoe Rim Trail
Replies: 21
Views: 1975

Re: Hiking the Tahoe Rim Trail

I have backpacked a little bit of the trail and biked a little bit of it as well. I really don't know much about enough it to really compare and contrast the sections. Though I will agree with a previous post in that you really can't go wrong with the Desolation Wilderness portion. As for snow, sno...
by halfnine
Sun Apr 16, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Hiking the Tahoe Rim Trail
Replies: 21
Views: 1975

Re: Hiking the Tahoe Rim Trail

I have backpacked a little bit of the trail and biked a little bit of it as well. I really don't know much about enough it to really compare and contrast the sections. Though I will agree with a previous post in that you really can't go wrong with the Desolation Wilderness portion. As for snow, snow...
by halfnine
Sun Apr 16, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 7346

Re: Is there any reason a buy-and-hold investor would buy gold?

Given there are actually a few reality shows on gold mining I doubt it is as unknown as you believe. More importantly in countries where banking systems are still evolving having a compact store of value or one you can wear is a huge advantage. And you really think that the majority of folks watchi...
by halfnine
Thu Apr 13, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4184

Re: million dollar condo?

DW (who is in school)..... I think that this is the key. I would not buy until your wife graduates and settles into her work. There is no telling where her job will be and she might even find a dream job in a different city and you might follow here there. If you don't have strong family ties to yo...
by halfnine
Thu Apr 13, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2384

Re: Combatting mosquitoes traveling in S. America

Presumably, anti-malaria pills are prescribed by a doctor. I would not be taking these (or any medication for that matter) without being under the direction of an infectious disease doctor, who would specialize in these types of things. DW is ID MD. I'm no specialist, but the warning is worth notin...
by halfnine
Thu Apr 13, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2384

Re: Combatting mosquitoes traveling in S. America

permethrin to treat clothing light weight travel type silk mummy liner to sleep in light weight travel type bed net (many of the ones you may encounter may be in poor condition with holes) As far as medication, I prefer to get my medications from respected sources and not locally sourced. Fake and s...
by halfnine
Tue Apr 11, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9028

Re: Dream vacation spots?

I am more inclined to see more of the USA in much more detail before I use my passport. This country is truly amazing. I still need to visit seven more states before taking credit for being in all 50. Agreed. I've never really had a strong desire for international travels, maybe a few spots in Euro...
by halfnine
Tue Apr 11, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9028

Re: Dream vacation spots?

Antarctica - I think I want this to be my first trip in retirement Safari in Africa - doing in 2018 hopefully Scuba Dive Great Barrier Reef Several weeks in Thailand Climb Mt Fuji I want to bike through parts of Europe at some point. Shorter routes that only take a week or something. Overall I actu...
by halfnine
Tue Apr 04, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6115

Re: Early retirees - how did you inform your loved ones and friends?

....After giving my notice, I told my work friends that I was taking a year off for travel and that after that I would evaluate my options but that I was leaning toward teaching English abroad (and that was the absolute truth). But I didn't really say that I was probably permanently retired (even i...
by halfnine
Tue Apr 04, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9028

Re: Dream vacation spots?

Not so much a spot as much as an experience....zero gravity. ZeroG is probably still doing it. Possibly others.
by halfnine
Mon Apr 03, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9028

Re: Dream vacation spots?

There are lots of threads about favorite vacations ever. What locations are you dreaming of exploring - possibly saving for and possibly just savoring the idea of someday seeing? For me: Angkor Wat, Cambodia Trekking with gorillas in Rwanda The Bazaruto Archipelago in Mozambique Kyoto, Japan Namibi...
by halfnine
Mon Apr 03, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 5092

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I am capping social security at up to 40% of our expected retirement expenses. The other 60% will have to come from other investments. And, actually, will cap stocks, bonds, and/or property individually at 40% as well. This is just simply to mitigate concentration risk from any one income stream.
by halfnine
Sun Apr 02, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 11993

Re: Currently have $700,000 at 26 years old get $100,000 a year

....POTENTIAL ISSUES: I start spending too much like live lavish lifestyle bc of a college girl. Start doing bad things that cause addiction and cost too much. Someone tries to cheat me. I marry the wrong person. Anything else? And should I do a prenup? I would think your biggest risk isn't necessa...
by halfnine
Fri Mar 31, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5400

Re: anyone factor in future inheritance?

Our combined parents have done quite well. It would be unlikely that we don't receive an inheritance at some point. It's also unlikely that we'd utilize the inheritance. It will likely be passed on to future generations although it could be considered tail risk insurance until then.
by halfnine
Wed Mar 29, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: China Trip - Visa Expediter?
Replies: 26
Views: 1704

Re: China Trip - Visa Expediter?

The few times I went to China I went to my local travel agency that specialized in trips to China. They would handle the visa processing for their clients once per week to arrange visas for their clients. For a few dollars they would submit mine as well at the same time. However, it's been many year...
by halfnine
Sun Mar 26, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 38
Views: 5520

Re: Anyone taken a mid-career sabbatical?

Both my spouse and I have taken a year off on multiple occasions. It's given us the opportunity to enjoy each phase of our lives. I would echo the comment that taking a year out of the workforce doesn't make much of a difference. Not much really changes. I wouldn't go so far to say that everyone cou...
by halfnine
Thu Mar 23, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 5100

Re: My son wants to move to Hong Kong

Your son absolutely needs to sort out his visa situation. Utilizing a travelers visa and border runs to extend it can work great for those who have no long term commitments to a developed country since spending significant time elsewhere or returning home are not deal breakers. But it is a huge risk...
by halfnine
Thu Mar 23, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 2456

Re: Winter Travel

Barefootgirl wrote:A group of family members ....


Cruise. And the more number of family members the more I'd recommend it.

YFamilyMV
by halfnine
Mon Mar 13, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: 2018-19 Toronto Vanc Sydney Melb Auckland housing crash?
Replies: 8
Views: 1267

Re: 2018-19 Toronto Vanc Sydney Melb Auckland housing crash?

I would say that due to currency exchange rates property in Canada, Australia, New Zealand, and most definitely now in the UK aren't as expensive as they look for foreign buyers. Hong Kong on the other hand looks insane. With the current central bank rates, low yields on fixed income, existing curre...
by halfnine
Sun Mar 12, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 82
Views: 14504

Re: is anything 'cheap' out there?

This came from our discussion of CALPERs new investment strategy in real estate (direct investment, not funds, blue chip assets). I was questioning whether this was all a bit 'late to the party'. To continue I would say this is all an example of what is confronting all multi asset investors. There ...
by halfnine
Thu Mar 09, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 8804

Re: How much do you spend on food in a year?

If health is your #1 priority (it is for me, no judgement for those who feel differently), it's simply a mindset. Don't put yourself in situations where the junk is available, have most of your meals at home (or prepare them at home and bring them), etc. and it is quite easy. The problem is that yo...
by halfnine
Mon Mar 06, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 4368

Re: How much do you spend on "stuff" for kids?

... For those who don't give gifts, I am curious: when you give your kid a bicycle, how was that done to ensure it is not construed as a gift?.... We buy the bike that is the next size up before they need it. Our eldest isn't ready for it yet but knows it's there and even helped unpack the box and ...
by halfnine
Sat Mar 04, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 12545

Re: Why can't I save enough to have decent vacation or restaurant meal

But once again - New York City is Ultra high cost... Not just high cost. You said, "The other thing is that areas where housing is so expensive also tend to have ridiculous salaries". You also said, "The OP is 40-ish and making 130k? Then he is not likely in an UHCOL area." Base...
by halfnine
Fri Mar 03, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: US expats abroad: should I buy health insurance even though I'm covered by employer?
Replies: 24
Views: 1540

Re: US expats abroad: should I buy health insurance even though I'm covered by employer?

.....Maybe my question can be best summed up like this: if you are a U.S. citizen who will likely be living outside the U.S. for an extended period of time (let's say > 50% chance), with a non-zero chance of changing countries, and you are also very likely to change employers often or to start your...
by halfnine
Sun Feb 26, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 3009

Re: Backpackers- weight vs utility question

dixdak wrote:..We always overpack food. Best to just set the weight of food based on numbers of days out....


I prefer to not overpack food. However, experience has taught me to pack the same number of days of food as my mates. Similar gear as my mates often works out better as well.
by halfnine
Sat Feb 25, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: investing for internationally married expat couples
Replies: 2
Views: 372

Re: investing for internationally married expat couples

As to #2 ... If you have a joint account with your American spouse then all the assets are considered to be hers when calculating estate taxes if she were to pass before you. This will probably only be relevant though if your assets exceed the 5 million or so estate tax limit for US citizens. The ot...
by halfnine
Sat Feb 25, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 3009

Re: Backpackers- weight vs utility question

I am working on my backpacking gear checklist trying to optimize weight, comfort and security. What items do you carry that are seldom on the ultralight hikers lists? Depends on who I am going with and what the mileage is like. If its a 25 mile day...as light as possible. A few miles....everything ...
by halfnine
Sat Feb 25, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 3009

Re: Backpackers- weight vs utility question

Great suggestions! I have thought about bringing a pair of ultralight shoes for stream crossings and relaxing. Beach slippers seem heavy- perhaps an old pair of track shoes minus spikes? I have yet to adopt the use of hiking poles, but I can see having one very light one along for crossing rushing ...
by halfnine
Fri Feb 24, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 7264

Re: Market Run Ups - Now vs. Then

Well the run up to 2000 felt the most significant to me. I took off 1999 to travel abroad. Before I left I knew only one person who actively traded stocks. When I returned from my trip all of sudden many people I knew were trading. That was my "shoeshine boy with a stock tip" moment.
by halfnine
Fri Feb 24, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Father runs an empire at age 80; not my business?
Replies: 18
Views: 4268

Re: Father runs an empire at age 80; not my business?

I think Sandtrap made some great comments but then again your culture may not be the same as your parents. I'd consider sitting down with your spouse and determining what your both feel your cultural obligations are for your father and also to some extent your siblings. There is always the possibili...
by halfnine
Mon Feb 20, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 46
Views: 4822

Re: economics of landlording

...I'm not attached to this property emotionally, in any way. Just want to keep it if it is a good complement to a traditional 60/40 indexed portfolio, and want to dump it if it's a drag. If it's somewhere in the middle - which has been my sense - I will probably keep it for the diversification ben...
by halfnine
Thu Feb 16, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 3122

Re: What's the secret to happiness?

If you're happy, what's your secret? I retired in 2010 and had difficulty filling the hole in my life where there used to be a career. I tried to expand my hobbies and interests and that worked. Sort of. The advice from this forum is especially effective when it explains a method (like orderliness ...
by halfnine
Thu Feb 16, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: American in Japan: Roth IRA Not Worth It Unless Retiring in America?
Replies: 13
Views: 1651

Re: American in Japan: Roth IRA Not Worth It Unless Retiring in America?

...The only reason I've heard for anyone giving up US citizenship is to avoid our draconian tax system... Let's just say the thought has crossed my mind, by it's not something I'm seriously considering at this point in time.... It isn't all that common but people do give up their US citizenship whe...
by halfnine
Thu Feb 16, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 12247

Re: Who would quit playing if they already won?

At a 2% withdrawal I'd no longer worry about shallow risk and would completely focus on what I could do about deep risk. How much you need to worry about shallow risk depends to some extent on your asset allocation. Even at 2%, if you were invested in 100% stock, shallow risk at the wrong time (ie ...