Search found 426 matches

by halfnine
Fri Feb 05, 2016 4:17 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6020

Re: Sibling's destination wedding?

If it was me, I probably wouldn't go but I would help pay for my parents to go if their circumstances required it. Our story. No matter how we arranged it our wedding was going to be a destination wedding for most everyone. And due to circumstances largely beyond our control it was impossible to get...
by halfnine
Fri Jan 22, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: Oil Slump ---- VGENX/FSENX? [Vanguard / Fidelity Energy Fund]
Replies: 27
Views: 2225

Re: OIL SLUMP ---- VGENX/FSENX?

A little too speculative for my taste, but you might have a heartier appetite for risk than me, so whatever floats your boat. If you've done your research and are convinced that there's more room for upside than down and we are in fact at or very close to a bottom in oil...AND have some fun money t...
by halfnine
Mon Jan 18, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Bike or hike trip
Replies: 22
Views: 1893

Re: Bike or hike trip

Hike the Sierra High Camps - Yosemite (late summer possibly early fall)
Ride the White Rim Trail - Utah
Ride the San Juan Huts - Colorado/Utah
by halfnine
Sat Jan 16, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6026

Re: Best place to live in CA for a young family

..... Somewhere with good schools, good weather allowing plenty of outdoor activities, low-key pace, universities close by, and reasonable housing would be ideal. ..... I would agree with San Luis Obispo, Davis, Sacramento and some areas within San Diego county More specifics. We'd like: good publi...
by halfnine
Sat Jan 16, 2016 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed...US citizen attending college in Canada
Replies: 19
Views: 1065

Re: Advice needed...US citizen attending college in Canada

Open an account with a canadian bank and then you can simply use one of the many online currency exchange places like xetrade, worldfirst, transferwise etc to transfer money. You send us dollars from your account, they exchange it and send canadian right to your canadian account. This. However, it ...
by halfnine
Sat Jan 16, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: early retirement, alternative lifestyles, etc, with kids
Replies: 9
Views: 1554

Re: early retirement, alternative lifestyles, etc, with kids

For those Bogleheads who have successfully left the traditional arrangement (1 or 2 parents working full time), and transitioned into either early retirement, a life of travel, etc - can you describe your arrangement (financial and otherwise)? We are at a similar age to you and are children aren't ...
by halfnine
Fri Jan 15, 2016 3:47 am
Forum: Personal Consumer Issues
Topic: Medical Insurance for New Zealand Working Holiday Visa
Replies: 5
Views: 422

Re: Medical Insurance for New Zealand Working Holiday Visa

Consider IMG Global or World Nomads. If he will no longer carry US health insurance be leery of any travel insurance policy that might repatriate him back to the USA for medical treatment which could happen if the cost of local treatment exceeds the cost of repatriation.
by halfnine
Fri Jan 15, 2016 3:34 am
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 5826

Re: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it

Almost 1M in net worth, 1 tenured job, 1 decent job easily re-found, 28K/year gift..... What was the question - oh yeah... Sure. My gf and I took 2 years traveling/working in my mid 20's without any of those things and had a great time. This. But, go for 14 months and start work the following Augus...
by halfnine
Wed Jan 13, 2016 4:19 pm
Forum: Investing - Theory, News & General
Topic: SWR vs Floors for retirement income
Replies: 19
Views: 1140

Re: SWR vs Floors for retirement income

I am beginning to drift towards the idea of splitting assets between property, stocks, bonds, and social security/annuities. And to eliminate risk starting retirement with no more than 40% dedicated to any one asset class.
by halfnine
Wed Jan 13, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6274

Re: What would you tell your 25 yr old self?

Oh, the places you'll go
by halfnine
Sun Jan 10, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11560

Re: Tough Frugal Decisions

Lots of frugal decisions made over the years many of which have already mentioned. But one that really hasn't been addressed is that accommodation is generally expensive so I've spent a lot of nights sleeping in my car, at work, or at walk-in campgrounds (1 dollar/night at the time) I think the regr...
by halfnine
Sat Jan 09, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 28
Views: 1858

Re: 4 Days in Iceland - May 2016

Next question....Should I book hotels or wing it? We were there in mid July in the height of tourist season and hotels were hard to come by around then. Don't know what May is like. We opted to camp though instead as it gave us complete flexibility as to where to stay at the end of the day. Campgro...
by halfnine
Sat Jan 09, 2016 5:18 am
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 28
Views: 1858

Re: 4 Days in Iceland - May 2016

Lots of good advice already so I won't rehash any of it. Although, I'd also consider adding a B&B/farmstay/horse riding lodging for the night and use the opportunity to go for an Icelandic horseback riding excursion.
by halfnine
Sun Jan 03, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6337

Re: How did your retirement Portfolio do in 2015?

At quick glance down a bit when measure in USD, CNY or HKD. But, up in varying degrees when measured in CAD, EUR, GBP, NZD, or AUD.
by halfnine
Sun Dec 20, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8388

Re: dilemma over house division during legal separation

She is from South America,.... One other thought. If she gets overwhelmed then there is a very real chance that she could take the kids and go back to South America to be with her family if they are still there. With that possibility you really need lawyers to help set up the custody right. This. M...
by halfnine
Thu Dec 10, 2015 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy for a crazy globe trotter
Replies: 11
Views: 1182

Re: Investment strategy for a crazy globe trotter

The year you take off I would work up until your encroach the 15% tax bracket before leaving. Then the year without income convert your IRA into a ROTH up to the 15% bracket (as a married couple and off the top of my head that should allow you to convert all of it). That year also cash out any longt...
by halfnine
Thu Dec 10, 2015 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: do I have enough to drop out of the rat race?
Replies: 49
Views: 8013

Re: Portfolio Review: do I have enough to drop out of the rat race?

US expats investing domestically may be unable to buy mutual funds. ETFs not so much a concern. And, if you haven't found out on this forum already, US expats are often limited in what assets they can hold and in which companies they can hold it both within the USA and abroad. Using Schwab and ETFs...
by halfnine
Thu Dec 03, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 5610

Re: What is the "Honda Accord" of bicycles?

As has been mentioned, for you any bike will really do. As for your child, get them a balance bike when they are young. Once they have mastered the balance bike get them some time or access to a tricycle to master pedaling. Then when they are tall enough for pedals (around 3 or so) get them a decent...
by halfnine
Thu Dec 03, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to start out with TurboTax?
Replies: 52
Views: 4572

Re: How to start out with TurboTax?

... However, as protagonist noted, when you start with a more advanced version it becomes a habit even if the advanced features are not needed. Victoria This is definitely true. That and changing from one brand of tax software to another becomes a bit of headache that I don't want to deal with eith...
by halfnine
Thu Dec 03, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Travel backpacks with removable backpack option
Replies: 42
Views: 2704

Re: Travel backpacks with removable backpack option

Backpacks with removable daypacks don't carry very well and the daypacks themselves are often ill-sized. It's better just to get a backpack that is sized for what you need and then get a small, light, compressible daypack that you can put inside the backpack (most of the time) or carry on the front...
by halfnine
Thu Dec 03, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to start out with TurboTax?
Replies: 52
Views: 4572

Re: How to start out with TurboTax?

My use of TurboTax is very similar to what you are looking at. I optimize my taxes via my own excel spreadsheet and then use TurboTax for the final crosscheck and printout. As far as optimizing with TurboTax, I have never found optimization by TurboTax to be superior to doing it on a spreadsheet tha...
by halfnine
Fri Nov 27, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: College abroad
Replies: 9
Views: 1170

Re: College abroad

My spouse and I have lived and worked across four continents. As such I don't have many concerns about which countries our children go to university as I know any downsides can likely be overcome. I will say though that I've found it easier to live among the locals in the country where I spent my fo...
by halfnine
Thu Nov 26, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: Travel backpacks with removable backpack option
Replies: 42
Views: 2704

Re: Travel backpacks with removable backpack option

Backpacks with removable daypacks don't carry very well and the daypacks themselves are often ill-sized. It's better just to get a backpack that is sized for what you need and then get a small, light, compressible daypack that you can put inside the backpack (most of the time) or carry on the front ...
by halfnine
Thu Nov 19, 2015 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Parents - your favorite and most challenging years
Replies: 66
Views: 5788

Re: Parents - your favorite and most challenging years

My kids are still younger than 6, so I can't answer what is or isn't the most challenging/rewarding. What I will say is that the first 2-1/2 years or so they need a lot of attention from adults. After that they quite enjoying having other friends their age to play with and get better at entertaining...
by halfnine
Fri Nov 13, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 16123

Re: Is The Bay Area Worth It?

Years back I worked for a company that had offices across the country. Employees that transferred into the Bay Area from LCOL areas were given a generous cost of living adjustment that put their salaries above those who were hired locally. Even so those individuals generally only stayed for a few ye...
by halfnine
Sun Nov 01, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Can anyone help with a mountain bike purchase?
Replies: 29
Views: 1844

Re: Can anyone help with a mountain bike purchase?

I am a big believer in fit as well, but my criteria for mountain biking are - top tube length - bottom bracket height - chain stay length - head tube angle - wheel base (length) After trying out numerous configurations I came out with measurements for those that worked best for the type of riding th...
by halfnine
Mon Oct 26, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 12004

Re: Guilty pleasures?

Taking a year or so off work every 4 or 5 years and then spending that time enjoying whatever it is that I am passionate about during that phase in my life.
by halfnine
Wed Oct 21, 2015 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: do I have enough to drop out of the rat race?
Replies: 49
Views: 8013

Re: Portfolio Review: do I have enough to drop out of the rat race?

Using the 4% draw formula, I need $450K to get 1.5K/month. I already have over $300K for 1K/month to cover bare essentials. 18K/yr doesn't seem that unreasonable to me. But, I am not a fan of the 4% rule especially for those who are international. The 4% rule is for those living in America and inve...
by halfnine
Tue Oct 20, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 6289

Re: Bicycle commuting

Any Bogleheads ride folding road-bicycles with regular wheel size? If you do, please let me know its pros and cons. I contemplate buying a folding roadbike that I can use in next inter-state driving trip. My folder has 20-inchers, so I can't help you there. I will say that plenty of people have don...
by halfnine
Tue Oct 20, 2015 3:04 pm
Forum: Investing - Theory, News & General
Topic: Ex-US percentage for NON-US persons?
Replies: 5
Views: 444

Re: Ex-US percentage for NON-US persons?

I have taken the approach that no asset is riskless. As such, I like the approach of limiting any country component of my net worth to 40% maximum inclusive of the NPV of its state pension (social security). I limit currency exposure the same way. And then work backwards from there taking into consi...
by halfnine
Tue Oct 13, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 4856

Re: Thinking of quitting job for a year of travel

Using a tour service (Intrepid, G Adventures, etc) is not really going to be necessary. Tour services come at quite a cost premium and are great when there isn't a well establish travel route and/or you are limited in time. And neither of these will be the case. You will not have trouble traveling ...
by halfnine
Sun Oct 11, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 4856

Re: Thinking of quitting job for a year of travel

My plan would be to do 6 months doing the entire continent of South America, 3 months in South (and parts of East) Africa, and 3 months in South East Asia Sounds like a good plan to me. I am not sure if that is the order you plan on traveling to those destinations. If it is and you are interested i...
by halfnine
Sat Oct 10, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 4856

Re: Thinking of quitting job for a year of travel

I've done it twice. Once when I was your age by myself. And then again 5 years later with my wife. Might even do it a third time with our kids. The late 20s is really the ideal time to go off and travel for an extended period by yourself. You are old enough to have established a sense of self. You'v...
by halfnine
Sat Oct 10, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Creative Ideas for Retirement Living
Replies: 30
Views: 4375

Re: Creative Ideas for Retirement Living

House sitting. I am aware of a few long term travelers who do this on a frequent basis around the world.
by halfnine
Fri Oct 09, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: AMT
Replies: 12
Views: 1134

Re: AMT

Can someone explain how AMT works in simple terms? If you generate a high enough income it's essentially a way for the government to reduce the amount of deductions and exemptions you are allowed (with the exception of mortgage interest deduction). For instance, maybe you have 30K of deductions. Po...
by halfnine
Thu Oct 08, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: Creative Ideas for Retirement Living
Replies: 30
Views: 4375

Re: Creative Ideas for Retirement Living

My current early-retirement daydream is to live in all the places that I've not gotten the chance to, for 3-6 months or so apiece. This. A duration of 3-6 months is good for at least 2 reasons. The first is this is a typical visa restriction if you are thinking outside the country. And the second i...
by halfnine
Thu Oct 08, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Trouble with family thinking we have more money than we do
Replies: 87
Views: 8723

Re: Trouble with family thinking we have more money than we do

I just have a few questions. How much did your parents help you out after you turned 18? How much are they likely to help out if you have children? How much did they help out with their own parents? If there was little help financial or otherwise for any of the above, personally I wouldn't be much i...
by halfnine
Thu Oct 08, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: A very interesting map [City demographics]
Replies: 9
Views: 1703

Re: A very interesting map

And.. what price do you put on seeing St. Paul's in the morning mist? Or walking past Sir Winston Churchill's statue each morning? Or seeing the sun rise from London Bridge? Very difficult to say. I think it depends if you are a retired expat who cares about these things and has tons of money and t...
by halfnine
Wed Oct 07, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: A very interesting map [City demographics]
Replies: 9
Views: 1703

Re: A very interesting map

I remember looking at that site a while back and realized it really doesn't do me much good. I've lived in quite a few of the great (expensive) cities around the world and what I found out is that my cost of living doesn't really shift all that much. I've just tended to adapt my lifestyle accordingl...
by halfnine
Tue Oct 06, 2015 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the dreaded AMT
Replies: 23
Views: 2850

Re: Avoiding the dreaded AMT

Ok, here is my attempt at putting AMT into context with numbers you could work with yourself prior to trying to iterate with a tax program. As far as I can tell your marginal tax bracket would be 15%. And your AMT tax rate would be 26%. So considering you are now paying AMT this would mean that goin...
by halfnine
Tue Oct 06, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 94
Views: 11618

Re: The cost of walking el Camino de Santiago

This 35 minute video on the Camino de Santiago popped up in one of my feeds the other day. I can't really comment on it as I haven't watch it yet. But, I thought it might be of interest for anyone following this thread.
by halfnine
Tue Oct 06, 2015 3:53 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the dreaded AMT
Replies: 23
Views: 2850

Re: Avoiding the dreaded AMT

Well off the top of my head and a simple approach based on my understanding of AMT from many, many years ago (I am sure someone will correct whatever get wrong). If you paid 6K in taxes because of the AMT that means you have to try to eliminate approximately 24K (AMT tax at 26%) in ...
by halfnine
Mon Oct 05, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: Any one here live with parents or in laws for a long time?
Replies: 26
Views: 2955

Re: Any one here live with parents or in laws for a long time?

My wife has been mentioning it the last 2 years since she has been working, my wife never really had to go out of her way to do anything for my parents. Cook or clean or anything like that. It's not like we are supporting them financially or she has to take my dad to Doctor 3 days a week before wor...
by halfnine
Mon Oct 05, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance for parents coming to US
Replies: 14
Views: 1219

Re: Travel Insurance for parents coming to US

Has nothing to do with home turf bias. Medical evacuation is, as far as I know, designed to get you (back) to qualified medical care. It's not a taxi/shuttle service that you can just call up to get to a doctor of your choosing. That depends on the provider. From Medjet Regardless of medical necess...
by halfnine
Fri Oct 02, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance for parents coming to US
Replies: 14
Views: 1219

Re: Travel Insurance for parents coming to US

If World Nomads doesn't work see if IMG Global might work for you. It's generally my preference. Whatever you do, don't skimp on emergency evacuation.
by halfnine
Fri Oct 02, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 7310

Re: Should my husband become a US citizen?

There are probably at least 30 countries that belong to that club. And, I think many expats would put the USA at the bottom of that list. Well of course if you ask expats. They chose to leave after all. I mentioned expats because in your initial posts it would appear that leaving the USA for Canada...
by halfnine
Thu Oct 01, 2015 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 7310

Re: Should my husband become a US citizen?

As for the U.S. taxes, I liked how Bill Bernstein addressed it in "Deep Risk": American taxes are payment of dues to a club with a billion person waiting list. Victoria Thanks for the very nice quote, Victoria. Ditto There are probably at least 30 countries that belong to that club. And, ...
by halfnine
Thu Oct 01, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 7310

Re: Should my husband become a US citizen?

There are benefits to being an NRA (nonresident alien) married to a US Citizen when living abroad and when filing as married filing separately. The benefits are not only in taxation but in access to various investment and/or banking accounts that otherwise would be off limits or problematic for US C...
by halfnine
Thu Oct 01, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: international exposure for investors (possibly) on the move
Replies: 2
Views: 283

Re: international exposure for investors (possibly) on the move

To make the question concrete, while my wife and I reside in the US today there’s a non-trivial chance we could move to Australia or Switzerland at some point in the next 2-10 years. Does this mean we should incorporate indexes covering those economies ? I don't see any reason to do it today. I'd w...
by halfnine
Mon Sep 14, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being too stingy for a high-income household?
Replies: 223
Views: 17983

Re: Am I being too stingy for a high-income household?

I was once in a relationship with one who thought a nicer car and nicer house would make them happier. Turns out once they had those things they weren't satisfied with stopping there. It just made them want nicer things for the nicer house (new floors, kitchen, etc). Got off the train at the next st...

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