Search found 575 matches

by halfnine
Thu Dec 08, 2016 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 82
Views: 6575

Re: Retiring in a Decade after Graduation

A few thoughts: You want to max out your 401k contribution because you will likely pay less taxes on the money in the future. This is especially true if you retire early and live off a significant lower salary as you will be converting your contributions into the 0% and/or possibly 10% tax brackets....
by halfnine
Thu Dec 08, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 18237

Re: Retirement: Where $200K Will Last 30 Years

There is a relatively new website that searches out global locales that match up with ones finances and lifestyle.

The Earth Awaits
by halfnine
Wed Dec 07, 2016 5:33 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6137

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

Hmmm. Just looked at some images online of baby bulkhead seats on airlines. There seem to be both bassinets and "reclining seats", but I can't tell if both are on the same airline, or if different airlines offer different styles. But... a few of those children look pretty "big",...
by halfnine
Tue Dec 06, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6137

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

I didn't read all the posts above but I can share what we did. When our child was under 2 we had a 28 hour door to door journey involving 20 hours of flight time. The research we did at the time came up with the best solution to fly on British Airways with bulkhead seating reserved using their carr...
by halfnine
Tue Dec 06, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6137

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

I didn't read all the posts above but I can share what we did. When our child was under 2 we had a 28 hour door to door journey involving 20 hours of flight time. The research we did at the time came up with the best solution to fly on British Airways with bulkhead seating reserved using their carry...
by halfnine
Tue Dec 06, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 5693

Re: What percentage of international do you hold?

At least 60%.

I believe country risk can be very real. The fact that in many countries it hasn't shown up doesn't inspire me with confidence. As such I prefer to limit my concentration risk in any country to 40% or less.
by halfnine
Mon Dec 05, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Which country in Africa to visit?
Replies: 63
Views: 3187

Re: Which country in Africa to visit?

I'll start by saying 'wanting to step foot on the continent' is a pretty weak reason to travel somewhere in my mind. Well, in my quest to visit all fifty US states I once drove some 20 (?) miles out of my way to cross the "border" between Virginia and West Virginia. Got out of the car, di...
by halfnine
Thu Dec 01, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: The new normal: 2%, 3%?
Replies: 72
Views: 4295

Re: The new normal: 2%, 3%?

4% is still a very conservative number. It is not an average. It represents the WORST times of the past. Worst of the past of one of the best finishers since it was based on US returns. I tend to agree that people tend to really overdue it with the diminishingly small SWR, but there were lots of co...
by halfnine
Sat Nov 26, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign old-age pension for US citizen & resident?
Replies: 8
Views: 889

Re: Foreign old-age pension for US citizen & resident?

Have a look at the Windfall Elimination Provision. OTOH and based on what you've indicated, her Swedish pension will be offset against her Social Security at a proportional rate. The more years of Social Security she has the less it will be offset. At 30 years of Social Security contributions there ...
by halfnine
Sat Nov 26, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 2430

Re: World Travel Insurance, Worth it?

Medjet seemed pretty expensive, I got a quote for $816 on their website. Adding on a Blue Cross Worldwide plan (which if I understand correctly seems to also require US insurance), can bump up the the total pretty high. I would be curious to hear what sort of costs you are getting. If are relativel...
by halfnine
Fri Nov 25, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5900

Re: Black Friday - is this overdone?

I quite like Black Friday or at least the end of the year sales season since Black Friday rarely seems to offer up too much. I like it because I tend to do most of my shopping online and from around mid November to mid January. With websites like camelcamelcamel and similar variants it's pretty easy...
by halfnine
Fri Nov 25, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: if permanently move abroad
Replies: 13
Views: 1650

Re: if permanently move abroad

Just make sure you sever ALL ties with NJ. That means: no storage facility with your stuff in it, no snail mail address of any kind, do no renew your drivers license, do not have any online accounts with any NJ address in it (your banks for example). You must sever ALL ties with NJ to stop paying t...
by halfnine
Fri Nov 25, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 2430

Re: World Travel Insurance, Worth it?

...The trip with start off in South East Asia/East Asia, and will for sure have South America, and possibly either Europe or Africa... Having a Medjet policy would be quite beneficial in most of Africa and some of South America. Additionally, you'll have to consider how much of your treatment you r...
by halfnine
Thu Nov 24, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 2430

Re: World Travel Insurance, Worth it?

Historically I've used some combination of IMG Global, Medjet, and self-insurance depending on where I am going. As healthcare costs outside the US are often much more reasonable emergency evacuation and its associated costs IMHO is the one that is really important.
by halfnine
Mon Nov 14, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: How to give a young traveller in France some "walking-around money?"
Replies: 25
Views: 2305

Re: How to give a young traveller in France some "walking-around money?"

She's in college, will be in France for a few weeks on a somewhat-educationally-relevant trip, I'd like to give her a little "walking-around money" as a Christmas gift. There actually is a currency-exchange place in a nearby big city where I could get paper Euros but I'm wondering if ther...
by halfnine
Sun Nov 13, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Would you work in Bermuda?
Replies: 27
Views: 3449

Re: Would you work in Bermuda?

Take the family. Your child is young enough that it won't be disruptive to team sports, educational trajectories, etc., and will be a great life experience for you all. My 9 year old daughter had a classmate whose parents moved around every couple of years. They are now in China for a year or two. ...
by halfnine
Sun Nov 13, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early and sail off into the sunset?
Replies: 47
Views: 5892

Re: Retire early and sail off into the sunset?

For another viewpoint on sailing around the world and what it may or may not take to pull it off have a look at Bumfuzzle. I am not sure the blog of their adventure is still accessible as they reproduced it as a book, though.
by halfnine
Fri Nov 11, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 164
Views: 10263

Re: Hiking questions

Hello again all, OP here bringing this thread back with a question. I'll be headed to REI and Cabellas later today or this week and have been looking at different sleeping bags to buy. I dont' see the need to spend anything over $150 at all considering there are a lot of good choices for cheaper. (...
by halfnine
Fri Nov 11, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 21018

Re: How to retire early (in your 30s or 40s)?

We've opted for a different route then retiring in 30s/40s. We have been taking mini-retirements. Around 2-3 years off every decade. I would have hated to miss out on my 20s and most of my 30s just to retire earlier. Now into our 40s and with children hitting school age we work 40-50 hours a week in...
by halfnine
Fri Nov 11, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any advantages to multiple citizenships?
Replies: 33
Views: 2143

Re: Any advantages to multiple citizenships?

In some countries property ownership requires citizenship. As far as other investments there is probably something somewhere but none that I can recall based on my experiences. Certainly there are quite a few investment possibilities in foreign countries that are only available to residents irregard...
by halfnine
Tue Oct 25, 2016 2:15 pm
Forum: Investing - Theory, News & General
Topic: The riskiness of home ownership
Replies: 239
Views: 15492

Re: The riskiness of home ownership

.... When you add all of the above, a person will do far better to rent and invest the rest as compared to purchasing a home. Some people will get lucky and their home will go higher than inflation and they may win the "purchasing a home as an investment game." Actually, whether renting o...
by halfnine
Sat Oct 22, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 11506

Re: Sibling's destination wedding?

DH and I wanted to have a destination wedding. Our rationale was saving money over a larger traditional wedding and the 'efficiency' of having the wedding and honeymoon in the same location. The plan was for us to pay for our immediate families (parents and siblings) and then invite a limited numbe...
by halfnine
Wed Oct 19, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: The riskiness of home ownership
Replies: 239
Views: 15492

Re: The riskiness of home ownership

... Long story short, it is indeed the case that the range of costs is usually greater for home ownership than for renting: you can make a lot or lose a lot. On average, buying is the better decision for the price range of houses I'm looking at, but the potential downside is a bit daunting. Reinfor...
by halfnine
Tue Oct 18, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8766

Re: If i want to invest in gold (metal), what is the best way?

But there are no markets where gold is the primary currency. Even places without reliable local currency rely on paper money, such as dollars. I sincerely doubt gold was ever used as a true currency in Zimbabwe. Rather, people reverted to barter in absence of a stable currency, and gold was a relat...
by halfnine
Tue Oct 18, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8766

Re: If i want to invest in gold (metal), what is the best way?

Gold could attract people who want to take it from you... Might not get market prices or anything close. Like for example Uncle Sam? Executive Order 6102 Executive Order 6102 is a United States presidential executive order signed on April 5, 1933, by President Franklin D. Roosevelt "forbidding...
by halfnine
Tue Oct 18, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8766

Re: If i want to invest in gold (metal), what is the best way?

But there are no markets where gold is the primary currency. Even places without reliable local currency rely on paper money, such as dollars. I don't what happens in a Zimbabwe or Venezuela type situation but I am guessing it comes down to the almighty US Dollar (or the Euro in countries with expa...
by halfnine
Fri Oct 14, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Risk in buying sterling as a long term investment?
Replies: 16
Views: 1100

Re: Risk in buying sterling as a long term investment?

I think saying it is at historic lows is fairly close to accurate. It was lower for a few months around 84/85. Historically, speaking the longest it's been beneath 1.4 is about one and a half years. The bigger downside is based on central bake rates there is no carry trade for it, UK bonds (gilts) y...
by halfnine
Thu Oct 13, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8766

Re: If i want to invest in gold (metal), what is the best way?

Gold is a volatile commodity. Assuming that the average investor should invest in commodities (I would argue they shouldn't), investing in only gold makes as much sense as buying only one small volatile sector of the stock market. Except other commodities are difficult to store which makes them rel...
by halfnine
Thu Oct 13, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck between Sterling and the Dollar
Replies: 7
Views: 557

Re: Stuck between Sterling and the Dollar

Consider moving back and living in the UK for a few years until maybe 65 when Medicare kicks in. Probably save a bundle on healthcare and drawdown what you can out of GBP while there.
by halfnine
Thu Oct 13, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck between Sterling and the Dollar
Replies: 7
Views: 557

Re: Stuck between Sterling and the Dollar

My opinion re the pound losing value - you ain't seen nothing yet. So I would probably invest more in the US for the time being, at least until Brexit is complete. (OTH, some respected economists think it's too late.) the pound is probably nicely undervalued but well exposed to political risk until...
by halfnine
Tue Oct 11, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8766

Re: If i want to invest in gold (metal), what is the best way?

.....In many parts of the world where people do not trust their home currency, U. S. $100 bills are used as a store of value and a medium of exchange....... Do you have a source for this statement?... These New $100 Bills Are Going To Be Huge Overseas “The hundred is extremely popular in other coun...
by halfnine
Tue Oct 11, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Most reliable/safe/bulletproof way to get cash overseas
Replies: 30
Views: 2559

Re: Most reliable/safe/bulletproof way to get cash overseas

Any and all of the standard credit cards can be used in most of the world. The issue in picking among them is finding lowest costs. It is ALWAYS a rule to have at least two and preferably three cards in case one becomes compromised or may not work. One should keep/carry cards in separated locations...
by halfnine
Sun Oct 09, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Most reliable/safe/bulletproof way to get cash overseas
Replies: 30
Views: 2559

Re: Most reliable/safe/bulletproof way to get cash overseas

Depending on the trip I normally take 1 or 2 ATM cards with the ATM cards being from separate banks. And 2 credit cards which I could use for cash advance if needed. One Mastercard and one Visa as I've been in countries where only one was accepted and not the other. Prior to taking a cash advance I'...
by halfnine
Fri Oct 07, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to add real estate to portfolio
Replies: 17
Views: 1599

Re: Best way to add real estate to portfolio

Incendiary wrote:What percentage of real estate should be in one's portfolio?


I consider property a separate asset class and another way to diversify risk. As such I prefer property inclusive of home equity and any other real estate to represent 20-40% of net worth. Not to keen on having either less or more.
by halfnine
Thu Oct 06, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8766

Re: If i want to invest in gold (metal), what is the best way?

.....In many parts of the world where people do not trust their home currency, U. S. $100 bills are used as a store of value and a medium of exchange....... Do you have a source for this statement? While I have no doubt that $100 bills are abroad I question whether the common population is using it...
by halfnine
Thu Oct 06, 2016 5:29 am
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8766

Re: If i want to invest in gold (metal), what is the best way?

I agonize over gold. I have 5% of my portfolio in Central Fund of Canada (CEF), a closed-end fund that holds 60% gold and 40% silver bullion. It has been around since 1961, holds 97% bullion (rather than certificates), and is an international border away from potential confiscation. Like many poste...
by halfnine
Thu Oct 06, 2016 5:00 am
Forum: Personal Consumer Issues
Topic: Nanny in Boston
Replies: 44
Views: 3321

Re: Nanny in Boston

I'd probably rule out a nanny with a kid who was younger than mine or more than 2 years older than mine. Kids learn a tremendous amount from other kids and in a ideal world a good nanny with a kid a year than yours could be very beneficial for your child. I also wouldn't rule out a nanny share with ...
by halfnine
Wed Oct 05, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: ? Wisdom of Roth conversion
Replies: 28
Views: 2494

Re: ? Wisdom of Roth conversion

......But there is another factor, which is health insurance. With Obamacare, many of us early retirees are not paying for health insurance. And our income is difficult to predict every year if we receive much of our income from end of the year dividends and distributions on equity funds. Thus, con...
by halfnine
Wed Oct 05, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 3796

Re: Here we go again

letsgobobby wrote:My devious strategy of holding 60% international is paying off...

(Too bad I've held this since November 2013).


My devious strategy of underweighting the USA and holding 67% international is paying off...

(Too bad I've held this since March 2015)
by halfnine
Mon Oct 03, 2016 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Converting USD to GBP without enriching the middleman
Replies: 12
Views: 802

Re: Converting USD to GBP without enriching the middleman

There are some alternative methods depending on one's circumstances. Historically BofA withdrawals from Barclay ATMs in the UK had little to no fees. Although there is some debate to whether this is still true. If you are in the UK and don't need the money immediately transferring the money via ATM ...
by halfnine
Mon Oct 03, 2016 5:05 am
Forum: Personal Consumer Issues
Topic: Daughter will study abroad in ireland need advice
Replies: 28
Views: 3054

Re: Daughter will study abroad in ireland need advice

She should pack vitamin D supplements. Are you referring to sunshine? There is a lot of sunshine in late spring and summer because the sun goes down so late. Even though it rains a lot, there is still good sun. It's weird because the rain and sun alternate quickly. It can be really sunny outside, t...
by halfnine
Sun Oct 02, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14851

Re: Does it matter what type of college one goes to?

This is another pet peeve of mine as this is such a U.S. attitude of: "Oh my kid is only 18 and is too young to know what he wants to do with his/ her life". The answer is it is not too young. MOST of the world doesn't have college. They graduate from equivalent of high school and go STRA...
by halfnine
Fri Sep 30, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 3310

Re: Anyone feel like ripping this asset allocation to shreds?

Thanks for your feedback. Here's an update. --------- STOCKS 50% ($10K per 20K) >> VT Vanguard total/global ---- Put this in taxable acct << turn on div reinvest BONDS 40% ($8K per 20K) >> BND Vanguard Total Bond Index (almost all US) ---- Put in non-tax accounts w/div reinvest on GOLD 10% >> IAU 1...
by halfnine
Fri Sep 30, 2016 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 3310

Re: Anyone feel like ripping this asset allocation to shreds?

..... GOLD 10% >> IAU 10% ($2K per 20K) ---- Change from GLD to IAU for lower expense ratio ---- Put in non-tax accounts due to tax issues for "collectibles" ..... Collectible taxation is rarely as big of a deal as most people make out. Gold can also be tax loss harvested which can avoid ...
by halfnine
Thu Sep 29, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14851

Re: Does it matter what type of college one goes to?

If the person who you work for thinks it matters then...yes
If the person who you work for doesn't think it matters then...no
by halfnine
Thu Sep 29, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement/Mobile Lifestyle
Replies: 24
Views: 2315

Re: Early Retirement/Mobile Lifestyle

Thank you for the comments. I have a rough plan for travel as follows, in chrono order: - an extended world cruise - extended travel to different parts of the world for a few months at at time, likely involved with volunteer projects - domestic travel - type of vehicle, TBD. I'm also a points/miles...
by halfnine
Thu Sep 29, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement/Mobile Lifestyle
Replies: 24
Views: 2315

Re: Early Retirement/Mobile Lifestyle

I'm retiring in a couple years and expect to be busy working right up until the last months. I do plan to move away from this HCOL, but not sure where yet where I will permanently retire and likely won't have the time to do any advance scouting trips. Additionally, I plan to spend the early years o...
by halfnine
Thu Sep 29, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 66
Views: 4508

Re: Bogleheads for Diet/Nutrition?

Something else that I have come to understand, everybody is different - there are basic principles of nutrition, but individuals can have vastly different metabolic capabilities and respond totally different to the same protocols. I agree 100% and would add that there's also tremendous variance amo...
by halfnine
Sun Sep 25, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 37
Views: 3997

Re: When (or if) to have a second child

...I grew up an only child to expat parents. We moved back "home" when I was nearly ten, and I struggled to fit in . It did happen, but I decided I was going to move out of the country as soon as I could. I took 12 years, but I happened. ... If you want your kids to end up living close by...
by halfnine
Sat Sep 24, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 34827

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

I've had the fortune to live in a few of the great cities of the world. Worth every penny.

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