Search found 527 matches

by halfnine
Sun Sep 25, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 26
Views: 2215

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: 203
Views: 18135

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.
by halfnine
Sat Sep 24, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Currency risk for 5.5 percent? Missing something?
Replies: 27
Views: 1801

Re: Currency risk for 5.5 percent? Missing something?

I don't mind carry trade opportunities but I am inclined to do it only when not only can I get return on capital but also a high probability of return of capital. Additionally, I am not likely to invest any more than I would be willing to spend of that currency over my lifetime if the currency does...
by halfnine
Fri Sep 23, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2405

Re: Baby deals

What I found out after the first child was simply buy it when you need it. And when you really need something you know
by halfnine
Fri Sep 23, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Australian Capital Gains Tax (big hole?)
Replies: 5
Views: 439

Re: Australian Capital Gains Tax (big hole?)

Also, every tax agency on the planet has "wash rules" which prevent you selling and then rebuying the same thing to stop exactly this; they're definitely not encouraging it. Usually they make you wait 30 days, which means you are almost certainly missing out on gains. I don't know about A...
by halfnine
Fri Sep 23, 2016 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Currency risk for 5.5 percent? Missing something?
Replies: 27
Views: 1801

Re: Currency risk for 5.5 percent? Missing something?

I don't mind carry trade opportunities but I am inclined to do it only when not only can I get return on capital but also a high probability of return of capital. Additionally, I am not likely to invest any more than I would be willing to spend of that currency over my lifetime if the currency does ...
by halfnine
Fri Sep 23, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 203
Views: 18135

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

The year I spent traveling abroad solo.
The year I spent traveling abroad with my spouse.
The year we both took off after the birth of our first child.
The year we both took off after the birth of our second child.
by halfnine
Wed Sep 21, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 8965

Re: Anyone accidentally tell a friend about your inheritance?

It appears to me that your friend has the ability and the willingness to spend more money then you. Previously you didn't have the ability nor the willingness. Now you do have the ability but don't have the willingness. It's quite possible that your friend is just trying to figure out where you stan...
by halfnine
Mon Sep 19, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Fun Vacations v. Time with Family
Replies: 38
Views: 3524

Re: Fun Vacations v. Time with Family

Cruises aren't my preferred method of travel, but they are my preferred method of spending time with family. There is no stress of cooking, cleaning, entertaining and everyone is a bit more relaxed. A few years back we had a family gathering of about 40 of us or so across a few generations. If you c...
by halfnine
Mon Sep 19, 2016 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do you view money over and above your number?
Replies: 47
Views: 4329

Re: How do you view money over and above your number?

As a risk reduction strategy. It appears to me that nearly everyone on this forum has some risk that they have decided to take (or ignore) whether it be country, currency, concentration, longevity, sequence of return, health, etc. For me it is looking at the risks I have been willing to take in the ...
by halfnine
Wed Sep 14, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my British pound salary
Replies: 18
Views: 1037

Re: How to invest my British pound salary

.... I should mention that there's a non-negligible chance that I'll stay in the UK for long enough to apply for UK citizenship (5 years) Typically you'll need to be in the UK for 5 years to get ILR and then 1 more year with ILR before you can apply for citizenship. Be wary of spending too much tim...
by halfnine
Wed Sep 14, 2016 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my British pound salary
Replies: 18
Views: 1037

Re: How to invest my British pound salary

...Given where we are with Brexit, I would pursue British citizenship as soon as you are able-- and study hard for the test, it's not a "bird" as we used to call such things ;-). It's almost certain it's going to be harder to be a migrant in the UK in the future..... Typically the UK home...
by halfnine
Wed Sep 14, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my British pound salary
Replies: 18
Views: 1037

Re: How to invest my British pound salary

....I should mention that there's a non-negligible chance that I'll stay in the UK for long enough to apply for UK citizenship (5 years), and it's not inconceivable that I would retire here (although I'm only in my twenties, so who knows). Would that change the recommendation.... A global equity fu...
by halfnine
Fri Sep 09, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 4888

Re: Ransomware alert

I may need to rethink my backup strategy now. I currently keep all our files on a NAS that automatically backups daily to the hard drive on the computer that I also use online. This would no longer appear to be a viable solution. Now what if instead of backing the NAS to the computer connected to th...
by halfnine
Thu Aug 25, 2016 3:22 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 102
Views: 8805

Re: Bogle & Buffett on International Investing

The original poster mentioned Malkiel vs. Bogle & Buffet. As much respect I have for them, wouldn't it be prudent to diversify our expert opinions beyond individuals who are all old, white, American, and men. Anyone know if recommended asset allocations differ when taken across the expert's age...
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: 2193

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: 4057

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: 3569

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: 435

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: 96
Views: 9590

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: 44
Views: 3799

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: 2181

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: 1627

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: 1953

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: 3373

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: 5686

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: 4397

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: 5686

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: 5084

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: 759

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: 4713

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: 7207

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: 5148

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: 1023

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: 3388

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: 6581

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: 1337

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: 5852

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: 2388

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: 5005

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: 8756

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: 2403

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: 2403

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: 5966

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: 1163

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: 8756

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: 8398

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: 8398

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: 2612

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: 2612

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...

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