Search found 512 matches

by halfnine
Mon Aug 22, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Being OK with sacrificing current enjoyment for future freedom?
Replies: 24
Views: 1978

Re: Being OK with sacrificing current enjoyment for future freedom?

i'm sure this has been discussed but at what point does not taking that vacation, or not buying the nicer home/car, or not splurging on a nice meal stop making sense? For me it's when I can't or wouldn't want to do the same thing when I am older. I certainly don't mind delayed gratification when it...
by halfnine
Mon Aug 22, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3502

Re: Tips for a 1000 miles car trip with toddler and baby

As far as night driving and my experiences.... I don't like leaving right after work and driving into the night. I find the shift through sunset and into night a bit tiring in itself and also tend to fade at some point late in the night from being up all day. I much prefer to get some sleep and then...
by halfnine
Sun Aug 14, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Travel for a Year with Family - Career Impact?
Replies: 35
Views: 3467

Re: Travel for a Year with Family - Career Impact?

You are not going to get much in the way of relevant advice here. I will say those of us who have taken gap years rarely regret it. I can recommend two blogs that might make for good reading, though. For a family of six with possibly similar career/financial situation to yours I recommend a look at ...
by halfnine
Fri Aug 05, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Up to a year of travel [Pay with savings or mutual funds?]
Replies: 3
Views: 382

Re: Up to a year of travel [Pay with savings or mutual funds?]

Go from mid-year to mid-year to decrease your marginal tax rate. Convert any deferred retirement plans to a Roth up until the 15% tax bracket or less Sell out long term capital gains to the extent you can utilize the 0% tax Make sure you have enough short term cash available for the trip and to last...
by halfnine
Fri Aug 05, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 75
Views: 7866

Re: Travel insurance - worth it?

My wife and I are going on a somewhat different trip than those mentioned to this point, and are beginning to explore travel insurance options. At the end of this month we'll be heading back to India, this time for approximately three weeks of trekking in Ladakh. So our trip involves flying into De...
by halfnine
Tue Aug 02, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3353

Re: Living in various places 4 months out of the year.

My general experience is the longer the duration of the stay the further away from the centre of activity in cities I can live. Also the longer the stay the more creature comforts typical of home I prefer. So a 2 month stay its great to live close by even if it's more of a hotel like stay. For a 6 m...
by halfnine
Mon Aug 01, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mini retirement- RV around country
Replies: 21
Views: 2126

Re: Mini retirement- RV around country

Why not? Man vs Debt did something similar Although with kids that age I'd be inclined more to do a trip like It's a Small World After All As for us. I am perfectly happy saving the RV trip around the USA for when we're in our seventies. And, at this point with pre-school kids am more inclined to ta...
by halfnine
Mon Aug 01, 2016 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife form an S-corp?
Replies: 25
Views: 1575

Re: Should my wife form an S-corp?

I wrote this in another thread a few days back... It's been quite a while since I went down this path so some of the following might be out of date or just plain wrong. As a starting point though and, this is important, for a company with one single member and very small plans... I'd choose Sole Pro...
by halfnine
Sun Jul 31, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 1859

Re: Looking to take first international trip

We love to get out and sight see Paris and Rome both tick the box and like to stay active on our vacations. Certainly possible in Paris or Rome We aren't the type to go to clubs or bars at night Not essential to either city we aren't very picky with food choices. Then no worries We will only have o...
by halfnine
Sat Jul 30, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: Revisiting Dr. Bernstein on REITs
Replies: 29
Views: 3287

Re: Revisiting Dr. Bernstein on REITs

True that nobody can predict the future. I did sell REITS due to valuation concerns at about that time, actually probably before Dr. Bernstein's article and I haven't bought back in. Following the nedsaid principal they skyrocketed since I sold them. I swapped out my US REITS for ex-US REITS in Jul...
by halfnine
Thu Jul 28, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rules of Thumb: Max House Value as % of Net Worth?
Replies: 79
Views: 5496

Re: Rules of Thumb: Max House Value as % of Net Worth?

Though others disagree, I view home equity as a part of my overall portfolio, and tantamount to diversifying in real estate. This. I think max home equity percentage is not a huge issue, since , like stocks or bonds, it is invested money that can gain or lose value. Though if too high it does leave...
by halfnine
Thu Jul 28, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: Theory only... when to stop 401k contribution
Replies: 46
Views: 4288

Re: Theory only... when to stop 401k contribution

In theory for a traditional retirement plan and excluding matching...when the next dollar you contribute will get taxed more inside the plan then it would outside the plan. So OTOH... Since social security replaces a larger portion of earned income for those with average and lower incomes I could se...
by halfnine
Thu Jul 28, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Rules of Thumb: Max House Value as % of Net Worth?
Replies: 79
Views: 5496

Re: Rules of Thumb: Max House Value as % of Net Worth?

Though others disagree, I view home equity as a part of my overall portfolio, and tantamount to diversifying in real estate. This. I think max home equity percentage is not a huge issue, since , like stocks or bonds, it is invested money that can gain or lose value. Though if too high it does leave...
by halfnine
Mon Jul 25, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement, House, Kids - How to afford all three?
Replies: 61
Views: 4955

Re: Retirement, House, Kids - How to afford all three?

..... It would start looking something like this: Gross Income: $4,200 Pre-tax 401k: $1,374 Taxes: $706 (if the rate stays the same, which I hope it wouldn't) For taxes I'd probably be aiming for $1,885 and I'd reduce 401(k) contributions down to the match to make that happen. That would max out th...
by halfnine
Fri Jul 22, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: London theatre tickets
Replies: 10
Views: 699

Re: London theatre tickets

We probably have used TKTS 10-15 times. My experience which is at least 5 years removed now... - You'd be hard pressed to get better pricing - The seats you get are all always on the good end but you can cross check on Theatre Monkey if your aiming for the best of what they have on the day. - Arrivi...
by halfnine
Fri Jul 22, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 59
Views: 4547

Re: Should I spend 5k annually on travel?

We are living in a 2 bedroom apartment in San Jose shared with a friend to save some money, but we will not be able to do it once we have kid. Our plan is to buy a house around East and South Bay within 2 years. Budget will be between $600k to $700k, so 20% of down payment will be around $120k to $...
by halfnine
Mon Jul 18, 2016 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6958

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

Can the hours be flexible? If so, per day? Or can you take some real vacation time, and work more before/after? Is the work stressful? Enjoyable? RM I work 7-4 Mo through Thur. Hours are not really flexible and vacation is typically 10 or so stressful and fast paced about 75% of the time enjoyable ...
by halfnine
Sun Jul 17, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 4912

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

At 25x expenses, I'd probably walk away from the full time gigs. Look at withdrawing 4% for the time being and offset it by whatever part time work. Although, if I was to hit the second bend point in Social Security (takes at least 20 years to get there at max contribution) I wouldn't much bother wo...
by halfnine
Sun Jul 17, 2016 4:15 am
Forum: Personal Finance (Not Investing)
Topic: Transitioning to early retirement and part time side income/self employment - questions
Replies: 7
Views: 979

Re: Transitioning to early retirement and part time side income/self employment - questions

First, I'd probably buy Mike Piper's book . I haven't read it but had it been around when I started out it would have been the first one I tried. Anyway, it's been quite a while since I went down this path so some of the following might be out of date or just plain wrong. As a starting point though ...
by halfnine
Sat Jul 16, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3230

Re: Raising a reader

Some of the things we do: - We don't have a TV so they don't watch TV. - We don't spend time on our phones in the house and the only other device we have is a kindle which they might see me reading while they are happily playing on their own. This is generally what I do while they are playing so the...
by halfnine
Thu Jul 14, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6352

Re: Private vs State School?

I found that during my career not having a degree from a prestigious university was only a disadvantage when working for someone who had a degree from a prestigious university. Fortunately, in my area of expertise and being self-employed for a large portion of it there were plenty of clients who wer...
by halfnine
Tue Jul 12, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Backgroung information about retirement in US
Replies: 10
Views: 1281

Re: Backgroung information about retirement in US

From some discussions, I often get the impression that in the US you're left with only your personal portfolio: "you will retire in X years, you need Y$ per year therefore your portfolio should grow to Z$". I would like to know if that is really the case, or if there are other things to t...
by halfnine
Mon Jul 11, 2016 3:20 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5617

Re: What's your asset allocation and why?

In our 40s. Current thought process is that asset allocation adjusts over time as required to minimize concentration risk to any one asset class. The idea being that at the point of retirement no asset class will be required to provide more then 40% of estimated retirement expenses where imputed ren...
by halfnine
Sun Jul 10, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best bond strategy going forward?
Replies: 23
Views: 2314

Re: Best bond strategy going forward?

Do you plan on staying in Japan for a while? Are you planning on retiring back in the USA? Will you be receiving Social Security and how significant will it be? Then once those are decided what will be the purpose for your bonds?
by halfnine
Sun Jul 10, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay at home mom or change careers
Replies: 64
Views: 4904

Re: Work or stay at home mom or change careers

If both parents are working your family will have advantages and challenges. If you decide that one should be a stay at home parent then your family will have a different set of advantages and challenges. Don't worry about the advantages. Focus on the challenges and what choice is best for your fami...
by halfnine
Sun Jul 10, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: Valuations and market timing, and the current CAPE 10
Replies: 88
Views: 8564

Re: Valuations and market timing, and the current CAPE 10

Larry, this was an excellent article. I am a very strong believer that Valuations matter and matter a whole lot. Investors will do well if they buy good stuff at reasonable prices and even better at a discount. But going beyond this and trying timing and tactical asset allocation just doesn't seem ...
by halfnine
Sun Jul 10, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2236

Re: Investing in gold

One caveat regarding investments in physical gold (including ETFs such as GLD), capital gains are taxed as a collectible (28%). Only in some circumstances which are largely avoidable. Gold is taxed at one's marginal tax rate or 28% whichever is lower. Furthermore, taxes can be eliminated if the pro...
by halfnine
Sun Jul 10, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2236

Re: Investing in gold

One caveat regarding investments in physical gold (including ETFs such as GLD), capital gains are taxed as a collectible (28%). Only in some circumstances which are largely avoidable. Gold is taxed at one's marginal tax rate or 28% whichever is lower. Furthermore, taxes can be eliminated if the pro...
by halfnine
Sun Jul 10, 2016 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Kid
Replies: 63
Views: 5833

Re: Trust Fund Kid

It's their money, but as a parent I'd probably tell them what I'd tell anybody else. - If you spend more than 3% a year it is not going to last you - if you get married and have kids plan on having a lot less - it's inherently greedy to receive more than you give so you'll need to make the money wor...
by halfnine
Sun Jul 10, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: How do I use stopovers and open-jaws to get the most out of travel?
Replies: 8
Views: 1121

Re: How do I use stopovers and open-jaws to get the most out of travel?

As of late it looks like stopover strategies and open-jaw strategy approaches to maximize travel savings have proliferated. Icelandair for instance now encourages travelers to Europe from North America do a stopover in Iceland (either going to returning), effectively allowing for an extra leg to on...
by halfnine
Sun Jul 10, 2016 4:27 am
Forum: Investing - Theory, News & General
Topic: Valuations and market timing, and the current CAPE 10
Replies: 88
Views: 8564

Re: Valuations and market timing, and the current CAPE 10

Larry, this was an excellent article. I am a very strong believer that Valuations matter and matter a whole lot. Investors will do well if they buy good stuff at reasonable prices and even better at a discount. But going beyond this and trying timing and tactical asset allocation just doesn't seem ...
by halfnine
Sun Jul 10, 2016 4:16 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8070

Re: Hiking questions

I think anyone who reckons boots and high tech gear are required (and I fall into this line of thought from time to time) can learn something from Emma "Grandma" Gatewood
by halfnine
Sun Jul 10, 2016 4:13 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8070

Re: Hiking questions

In Crocks. We hiked up Mt McConnel in Colorado which is not a particularly big deal at less than 3 miles. Two co-eds ran up past us wearing flip-flops just as we started. Yes, flip-flops. About 20 minutes later, they ran down past us still wearing flip-flops. When I backpacked the JMT there was a m...
by halfnine
Fri Jul 08, 2016 3:13 am
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2504

Re: Live abroad for a year?

Watty wrote:I'm curious, how do you handle health insurance when you are on such an extended trip?


Depending on where I go:

- self insure
- insurance with World Nomads
- insurance with IMG Global

One of the above and depending on the circumstance possibly combined with MedJet Assist
by halfnine
Fri Jul 08, 2016 3:05 am
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2504

Re: Live abroad for a year?

OTOH 2nd passports for an American citizens are valid for only 2 years. For many this might be more of a nuisance then a valued solution. I wonder what happens if you show the authorities a passport without a visa / entry stamp whatever. I've been with dual nationals who present the passport withou...
by halfnine
Thu Jul 07, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8070

Re: Hiking questions

Rodc wrote:Regular hiking trails just do not require very much.

I have a gallon ziplock with The 10 Essentials and a few other things that is overkill for most hikes but it is easier to just drop it into the daypack or backpacking pack whenever I head out.


This.
by halfnine
Thu Jul 07, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8070

Re: Hiking questions

Shoes are personal thing. I usually wear sandals or running shoes. I'm sure I'll get flack for that. Not from me, but I dropped out of a hiking club because I got tired of arguing with the shoe police. And most limitations of shoes can simply be overcome using one hiking pole/staff when the need ar...
by halfnine
Thu Jul 07, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2504

Re: Live abroad for a year?

3. You are entitled to TWO passports as a US citizen. I would bring both. You have to legally have it on you in Europe and while a photocopy is fine 99.9% of the time, there was a period in Italy where he embassy told us to carry them around. Maybe also get a passport card - easier to carry around ...
by halfnine
Thu Jul 07, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2504

Re: Live abroad for a year?

As we've spent the last 10 years working in various countries across 4 continents this is a subject we think about quite a bit. Especially now as our kids are entering into their primary school years. At this point our thoughts is that the best strategy (of course strategy does not guarantee outcome...
by halfnine
Sun Jul 03, 2016 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 101
Views: 9677

Re: Am I a little crazy to be thinking this way?

I know time is on my side, and compounding interest can do wonders. Then, once I get to that point, I can spend time doing a ton of other things that I would like to do, such as travel the world and spend more time with friends/family, etc. There are places in the world I traveled and activities I ...
by halfnine
Sun Jul 03, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Stimulating toys for 3-5 year old
Replies: 18
Views: 1608

Re: Stimulating toys for 3-5 year old

What are some other good, intellectually stimulating toys good for 3-5 year olds? Ideally it would be something they can do on their own but not a deal breaker if they can't We have a few shelves of legos, games, puzzles, activity books, etc that generally are designed for one person to complete on...
by halfnine
Sun Jul 03, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 11155

Re: Money vs. Happiness

..... All kidding aside, it has proven difficult to find quality matches and I agree with the poster(s) who states the prospect of cultivating a relationship with someone outside AK would be difficult. Not impossible, but difficult. There is part of me that feels I'm squandering my prime, but I'm f...
by halfnine
Thu Jun 30, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Favorite ski resort
Replies: 61
Views: 3266

Re: Favorite ski resort

Most anywhere in the Rockies when it's snowing
by halfnine
Thu Jun 30, 2016 3:38 am
Forum: Personal Consumer Issues
Topic: Which city should I move to?
Replies: 40
Views: 3237

Re: Which city should I move to?

With the limited information provided it is unknown whether this might fit your circumstances, but what about City 3 south of the border in Mexico or Central America. Same time zones and easy enough to travel back to the USA if/when needed. Save the home ownership for later if there is no rush.
by halfnine
Wed Jun 29, 2016 4:10 am
Forum: Investing - Help with Personal Investments
Topic: US Based Investor With U.K Sterling
Replies: 17
Views: 1257

Re: US Based Investor With U.K Sterling

I had wondered about investing in UK index funds, this like you and others have mentioned sounds way too troublesome with taxes. TY! From a currency perspective using your GBP to buy index funds domiciled in the UK is no different than transferring the same amount of money to USD and buying a simil...
by halfnine
Sun Jun 19, 2016 4:41 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 8781

Re: Would you pay 6x face value to see Hamilton on Broadway?

In fact, Hamilton is scheduled to open in London....I'm not sure when, but I think maybe early 2017. I'm hoping the pattern is similar. As much as I would love to impress my sweetie by buying us Broadway tickets to see Hamilton, I think she will be way happier when I buy us RT tickets to London PLU...
by halfnine
Sun Jun 19, 2016 4:19 am
Forum: Personal Finance (Not Investing)
Topic: cost of raising kids. BHs experience through college
Replies: 76
Views: 4453

Re: cost of raising kids. BHs experience through college

I think looking at cost alone is a poor metric. I have come to the conclusion that raising kids cost some function of time, money, stuff, space, and social capital (grandparents, etc). And the more you have or use of one the less you will need of the others. Certainly with copious amount of time, sp...
by halfnine
Tue Jun 14, 2016 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Live the Good Life Today vs Save For a Better Life Tomorrow
Replies: 84
Views: 7616

Re: Live the Good Life Today vs Save For a Better Life Tomorrow

Generally, for me 1. Always live below my means 2. Instant gratification for any experience I am running out of time to do. 3. Delayed gratification for anything that can be experienced or purchased when I am older. For instance in my 20s I pursued athletic endeavors and also took off for a year to ...
by halfnine
Sun Jun 12, 2016 4:12 am
Forum: Personal Consumer Issues
Topic: How many activities for your kids?
Replies: 70
Views: 5193

Re: How many activities for your kids?

livesoft wrote:I don't think my kid did any activities until they were in first grade.


This is the path we are on. Just lots of play inside and outside for now. Both with us and with their friends.

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