Search found 607 matches

by halfnine
Fri Jan 20, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 57
Views: 4143

Re: East Coast And Work/Life Balance

.... I note that you are not working more hours in the day. I used to go in very late when my kids were toddlers so we could spend the morning having fun while they were nice and perky! Wife would pick them up around 3:30pm (started work at 7:00am) after I dropped them off at 9:30am which kept thei...
by halfnine
Wed Jan 18, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement contributions when self-employed in year with zero income
Replies: 6
Views: 463

Re: Retirement contributions when self-employed in year with zero income

Actually, 2016 would have been a good time to have done a ROTH conversion.
by halfnine
Sat Jan 14, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund of a different kind [funds held outside of US]
Replies: 53
Views: 2139

Re: Emergency fund of a different kind [funds held outside of US]

.... How would you do this? Well, what I did was marry a foreigner and spent many years living and working abroad. Enough so that between us we have citizenship in countries on four continents, some semblance of state pensions (i.e. Social Security) available to us in three countries, national heal...
by halfnine
Fri Jan 13, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: 24 hour stop over at LHR, what all can I visit in London?
Replies: 31
Views: 1716

Re: 24 hour stop over at LHR, what all can I visit in London?

With 24 hours in London you can do whatever you want in the sense if there is something you really want to do you won't be time limited. Now, if there isn't a top of the list must visit attraction in London for you, then the hop-on hop-off bus mentioned previously is certainly viable. The walk down ...
by halfnine
Fri Jan 13, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: downhill skiing
Replies: 32
Views: 2238

Re: downhill skiing

If lift tickets have you down you can look into the alternatives- ski touring (cheaper) and cat/heli skiing (more expensive). Yes. Years ago in graduate school price got to be too much, and the crowds were no fun either. Was living in Boulder. Picked up used back-country gear and headed into the hi...
by halfnine
Thu Jan 12, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to approach getting new wills, trusts, with a blended family
Replies: 51
Views: 2472

Re: How to approach getting new wills, trusts, with a blended family

I'd ask your kids each individually what they feel would be a fair arrangement in regards to how the inheritance is split and how its administered. I'd gently remind them that life has unexpected surprises and to take into consideration that they may face their own longevity or health risks and so m...
by halfnine
Mon Jan 09, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 57
Views: 3646

Re: Alaska cruise - Help me convince my family

Aren't there other places that everyone would like to go? There are lots of places to see in the world, or even in the continental US. You can't have seen them all. I don't get to go on lots of vacations, and would not be happy with an Alaskan vacation. For nuclear family...sure. For extended famil...
by halfnine
Sat Jan 07, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 57
Views: 3646

Re: Alaska cruise - Help me convince my family

I think if I was going with family and especially extended family I'd opt for the Caribbean. We did that with about 40 or us a few years back. I couldn't imagine doing an Alaskan cruise with those same family members with the same success. FWIW, though, I haven't actually done an Alaskan cruise on a...
by halfnine
Sat Jan 07, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 2267

Re: How to dress for winter vacation in Alberta

If you are going to be outside exercising you won't need much in the way of layering. Especially so if you are cross country skiing. For cross country skiing you will definitely not want insulated ski pants. When skiing I prefer my trouser outer layers to be full zip as then I don't have to bother t...
by halfnine
Mon Jan 02, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Analyzing schools for an advanced child
Replies: 65
Views: 3952

Re: Analyzing schools for an advanced child

Another friend teaches at a catholic school. She said she wouldn't send her own kids there because it's too homogeneous (which I would agree with) and politely hinted that some of the teachers weren't good. What is wrong with "homogeneous"? I think the bad teachers of her school is a bigg...
by halfnine
Mon Jan 02, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Properties and Asset Allocation
Replies: 12
Views: 1305

Re: Rental Properties and Asset Allocation

I consider real estate a separate asset class. I include primary residence when determining exposure to real estate. I believe every asset class has risk and that the fact that risk hasn't shown up in the past doesn't mean it won't show up in the future. As such I limit each asset class to no more t...
by halfnine
Mon Jan 02, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: What gets cheap when the dollar gets strong
Replies: 32
Views: 5398

Re: What gets cheap when the dollar gets strong

Other currencies get cheap. Since I think currency--foreign exchange, FOREX--is proverbially one of the riskiest and most speculative things you can do with money, I wouldn't touch it myself. It seems as if every few years we read about some superbank losing a few billion dollars on a clever curren...
by halfnine
Mon Jan 02, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1761

Re: Resources for a child gifted in math

Can I ask what is the evidence you see that leads you to this conclusion? "Math" is a really broad subject, and touches a lot of other subjects, one of which might be more in tune with his/her gift, as opposed to pure math. Of course, talent and interest are two different things. This is ...
by halfnine
Mon Jan 02, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1761

Re: Resources for a child gifted in math

https://www.khanacademy.org/about Read him/her books by Gardner and play with the puzzles together Key is to keep it fun and explore What are you guys working on now? From a math standpoint nothing outside of what isn't related to play or what was learned in Montessori education. We've opted more f...
by halfnine
Mon Jan 02, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1761

Re: Resources for a child gifted in math

I had the thought that if someone is good at math, then they need more help with other things like reading, writing, language, and sports. +1. At least make sure they are progressing adequately in these areas,as it is easy and natural to want to concentrate in areas that one is good at. To do well ...
by halfnine
Mon Jan 02, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1761

Re: Resources for a child gifted in math

Make sure the child SHOWS THEIR WORK. Both my kids are good in math (oldest one in engineering school) and I constantly drove into their heads....and they still didn't do it.....was to always do out steps and show their work. If they can do a 12 step problem in their head and come up with the answe...
by halfnine
Mon Jan 02, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1761

Re: Resources for a child gifted in math

OP here. Thanks for all the resources. There are many suggestions that I was completely unaware of.
by halfnine
Sun Jan 01, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1761

Resources for a child gifted in math

Our 6 year old has shown a natural talent for mathematics. While the school they are attending suits their personality and meets their other academic needs quite well at this time it is uncertain whether the math they will be exposed to will be challenging enough. As such I am looking for resources ...
by halfnine
Thu Dec 29, 2016 6:24 pm
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 4379

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

Thanks to all for the interesting and informative responses. Wife and I were thinking of renting a couple months here or there in various places around the world, and central America kept popping up, so thought I would ask. The boat idea is one we have also considered instead of or in addition to t...
by halfnine
Thu Dec 29, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 4379

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

I don't live in Central America but I do live outside of the US in a developing country. I know dozens of people who have lived happily in developing countries for years or decades. I know people who liked it at first but got tired of it after a few years. I know people who hated it immediately and...
by halfnine
Mon Dec 19, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 6976

Re: Hard Endeavor/Exercise in Middle Age

What about the ninja warrior / spartan type training and races. A few of my athletic friends seemed to have transitioned over to those for exercise, challenge and fun as their peak performance years in other sports had passed. At 35 it could probably give you another 10 years of adventure and camara...
by halfnine
Sat Dec 17, 2016 5:37 pm
Forum: Investing - Theory, News & General
Topic: FI planning based on current annual expense
Replies: 43
Views: 1868

Re: FI planning based on current annual expense

I think 25x expenses is quite meaningless without context. Once one starts considering the value of their homes or its imputed rent, future social security, and their remaining human capital all as a function of their expenses I think a more reasonable X times expenses number could be generated. An...
by halfnine
Sat Dec 17, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: FI planning based on current annual expense
Replies: 43
Views: 1868

Re: FI planning based on current annual expense

I think 25x expenses is quite meaningless without context. Once one starts considering the value of their homes or its imputed rent, future social security, and their remaining human capital all as a function of their expenses I think a more reasonable X times expenses number could be generated. And...
by halfnine
Sat Dec 17, 2016 3:35 pm
Forum: Investing - Theory, News & General
Topic: Renting vs. Buying for maximizing lifestyle
Replies: 6
Views: 1014

Re: Renting vs. Buying for maximizing lifestyle

myzipis02139 wrote:... You live in London, where a nice but modest-sized 3 BR flat is $60,000/year to rent or $2 million to buy.....


Any decent secondary schools in that area of London? Or are you going to be moving further out for that phase of education.
by halfnine
Sat Dec 17, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15173

Re: Retiring in a Decade after Graduation

While I've recommended against an expat job in Japan as a way to experience Japan there is some merit in working in locations outside of one's home office whether this is within your home country or abroad. I've spent about 7 years without a residence living this way with all my income going directl...
by halfnine
Thu Dec 15, 2016 3:50 pm
Forum: Investing - Theory, News & General
Topic: I thought Swedroe was a fan of REITs?
Replies: 127
Views: 9506

Re: I thought Swedroe was a fan of REITs?

Lessons from history, one of the most important is that just because something hasn't happened it cannot or will not. IMO Homer's analysis is what is known as the Triumph of the Optimists. If a strategy is rational it should apply wherever you live. That's one of the tests applied in finance, out o...
by halfnine
Thu Dec 15, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Warm winter jacket for tall folks who are cheap?
Replies: 32
Views: 2349

Re: Warm winter jacket for tall folks who are cheap?

If you want functional and cheap, get two synthetic fill coats from some place like Target or better, a thrift shop. Get one that fits a little snug. Not too tight, you want to be able to move and be comfortable. Then get a second one big enough to go over the first one. Way cheaper than getting na...
by halfnine
Tue Dec 13, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Ex-pat opening a Global Vanguard account
Replies: 30
Views: 1872

Re: Ex-pat opening a Global Vanguard account

I'll just reiterate or add a few points. In order for your nonresident, non green card, non-US spouse to not be taxed in the US you can not file jointly. US and Non-US spouses can transfer (gift) up to somewhere in the range of 130K between each other without gift tax issues. Since keeping accounts ...
by halfnine
Mon Dec 12, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Alpine vs Telemark vs AT skiing
Replies: 8
Views: 461

Re: Alpine vs Telemark vs AT skiing

AT skiing is all the rage. It can get you everywhere you need to go. Have a look at Lou Dawson / Wild Snow for advice on AT skiing.

As far as telemark. Steep learning curve. But, then again, free your heal and free your mind.
by halfnine
Mon Dec 12, 2016 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15173

Re: Retiring in a Decade after Graduation

I'll reiterate again about being an engineer (or other white collar worker) in Japan. If you already resent work related life and hours in the USA you are likely going to hate it in Japan. As to teaching English in Japan. I know many people do prefer to tutor in Japan instead as the pay is better a...
by halfnine
Sun Dec 11, 2016 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15173

Re: Retiring in a Decade after Graduation

I'll reiterate again about being an engineer (or other white collar worker) in Japan. If you already resent work related life and hours in the USA you are likely going to hate it in Japan. As to teaching English in Japan. I know many people do prefer to tutor in Japan instead as the pay is better an...
by halfnine
Sun Dec 11, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Tent? Hammock? 2 in 1???
Replies: 5
Views: 436

Re: Tent? Hammock? 2 in 1???

Have a look at Hennessy Hammocks

For how to set up as a tent here
by halfnine
Thu Dec 08, 2016 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15173

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: 18913

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: 6679

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: 6679

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: 6679

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: 6222

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: 3428

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: 4598

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: 1187

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: 3297

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: 7051

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: 2031

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: 3297

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: 3297

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: 2376

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: 3575

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: 6025

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: 10567

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. (...

Go to advanced search