Search found 454 matches

by halfnine
Mon May 02, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Foreign Tax Credit, Form 1116, Double Taxation
Replies: 16
Views: 1133

Re: Foreign Tax Credit, Form 1116, Double Taxation

.. In thinking about my post yesterday, I think the calculations on Form 1116 were implemented in the only practical way. The Foreign Tax Credit is really just a tax reduction applied to taxes already imposed in a given year. The taxes paid on Ordinary Income, Capital Gains, and Qualified Dividends...
by halfnine
Sun May 01, 2016 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Change of Lifestyle in Retirement/Mobility
Replies: 9
Views: 1478

Re: Change of Lifestyle in Retirement/Mobility

I'm not sure where I want to live post-retirement - all I know is what I want to do and most of that involves travelling. I also know that after a few years, I'll want more stability, so I will probably seek a permanent address at that time. That is a fairly common path for those who take off trave...
by halfnine
Sat Apr 30, 2016 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Expat and overseas funds
Replies: 20
Views: 1342

Re: Expat and overseas funds

There's the Global ATM Alliance. If you are at one of these banks, you can withdraw from other member bank ATMs without fees. https://en.wikipedia.org/wiki/Global_ATM_Alliance I used to use this all the time but then the local bank here (China Construction Bank) dropped out of the alliance. AFAIK, ...
by halfnine
Sat Apr 30, 2016 7:27 am
Forum: Investing - Theory, News & General
Topic: Revisit ETF taxation for Europeans (and other NRA)
Replies: 15
Views: 766

Re: Revisit ETF taxation for Europeans (and other NRA)

Hello, ........ Context : An investor want to invest in an ETF that invest in different assets. It is possible that 3 different countries are involved: - the country where the assets have their 'HQ' - lets call this country A - the country where the ETF is domiciled - lets call this country B - the...
by halfnine
Thu Apr 28, 2016 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Expat and overseas funds
Replies: 20
Views: 1342

Re: Expat and overseas funds

There's the Global ATM Alliance. If you are at one of these banks, you can withdraw from other member bank ATMs without fees. https://en.wikipedia.org/wiki/Global_ATM_Alliance I used to use this all the time but then the local bank here (China Construction Bank) dropped out of the alliance. AFAIK, ...
by halfnine
Wed Apr 27, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 48
Views: 2380

Re: Off to Australia - need advice

In Australia what doesn't kill you takes your money :D

And, in addition to food being brought into the country, they take previous criminal records seriously and it would require the appropriate visa instead of ETA.
by halfnine
Tue Apr 26, 2016 4:42 am
Forum: Investing - Theory, News & General
Topic: Gold 2% dividend
Replies: 22
Views: 2570

Re: Gold 2% dividend

A difference is perhaps we've had gold as legal tender for much longer in the UK. Actually, I was wondering about the history of the price of gold in the UK against the historical equity & bonds returns, all quantities expressed in local currency (GBP). I have the equity & bonds side of thi...
by halfnine
Fri Apr 22, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: A Fresh Look at Local Bias in Investing
Replies: 15
Views: 1360

Re: A Fresh Look at Local Bias in Investing

There is an important game theory / psychological loss aversion aspect to this as well. I think this is a very important point and could make it difficult for many to stay the course with a more global portfolio. Additionally, the role government may play should not be underestimated. If your home ...
by halfnine
Thu Apr 21, 2016 3:08 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 9269

Re: Any stay at home parents regret the decision?

... what advice would you give to someone considering it? My advice...when the children are young make arrangements so that the primary caregiver isn't providing sole care of the children for more than 60 hours a week. At least not on a long term basis. It will take its toll and beyond that point I...
by halfnine
Wed Apr 20, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: US Citizen based in Hong Kong with local wife. Which account and broker to use?
Replies: 5
Views: 587

Re: US Citizen based in Hong Kong with local wife. Which account and broker to use?

If a US Citizen is married to an NRA spouse then estate taxation isn't an issue when passing it from one spouse to another. It could however be an issue if the US citizen passes the estate to the NRA spouse and then the NRA spouse passes the estate along to beneficiaries prior to relocating the asse...
by halfnine
Sat Apr 16, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Good countries to accumulate in?
Replies: 13
Views: 1222

Re: Good countries to accumulate in?

One other thought just popped into my head. You should also give consideration to what government pension (social security in the USA) a country might offer and on what terms provided you live their long enough. While you will be taxed for it, it may also provide some longevity insurance down the ro...
by halfnine
Sat Apr 16, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Good countries to accumulate in?
Replies: 13
Views: 1222

Re: Good countries to accumulate in?

For taxes, wikipedia will give you a good starting point. Yeah. It's hard to compare, though, but it's a good place to start. I'd just assume that as an engineer you are going to be at or near the max percentage since it isn't uncommon to have the maximum hit at a fairly low income (the USA certain...
by halfnine
Sat Apr 16, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Good countries to accumulate in?
Replies: 13
Views: 1222

Re: Good countries to accumulate in?

The best countries to accumulate in are always the ones where your employer pays your expenses, gives you a nice per diem, and your entire salary goes straight into your bank account. Average salaries, income taxes and cost of living seem to be the big three factors How much you make will really var...
by halfnine
Sat Apr 16, 2016 4:23 am
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2334

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

...Personally, I don't do that (I don't define risk as volatility, nor do I believe any more that bonds have low risks),... I am of the same mindset. As such, I'd prefer on a net worth basis not to have any more than 40% attributed to stocks, bonds, or property. And no more than 20% to any alternat...
by halfnine
Fri Apr 01, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6762

Re: Five Best National Parks to Visit?

In addition to which I would definitely consider when as well. For instance, I would consider Yosemite at its best after a good winter of snow and sometime around the end of May when the water flow is at is fullest. I've also quite enjoyed Yellowstone during the winter when one can snowmobile in.
by halfnine
Sat Mar 26, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: When to take time off to travel
Replies: 28
Views: 2332

Re: When to take time off to travel

+ most. Go sooner rather than later. I like the idea of adding a STEM component to your travel. Might be a fun focus for your adventure. Other people cart around a gnome to take pictures of and post on their travels. Maybe you decide to blog about parking garages, or LEED 1000 buildings, or modular...
by halfnine
Sat Mar 26, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: End of Life: Whole Body Donation and Direct Cremation?
Replies: 31
Views: 2631

Re: End of Life: Whole Body Donation and Direct Cremation?

If you are interested in donating for research as opposed to education, I know there are brain banks that support neuroscience research. In most cases, they will want to recover the brain soon after death and freeze it quickly, so coordination with family is needed. You can view a list of brain ban...
by halfnine
Sat Mar 26, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: When to take time off to travel
Replies: 28
Views: 2332

Re: When to take time off to travel

....... -Splitting the time over 2 calendar years would allow you to make 401k contributions in both years and probably pay less in total taxes (assuming similar income).... This. We've taken off for extended travel a few times. Make enough for the year to nearly max out the 15% tax bracket and the...
by halfnine
Fri Mar 25, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Best Resource for studying Currency Exchange Rates
Replies: 5
Views: 518

Re: Best Resource for studying Currency Exchange Rates

The best internet source for historical fx rates for all major currencies, many minor currencies, and a few commodities (e.g., gold, WTI) extending back from the present to 1970 (and even earlier for some pairs) is the database maintained by the Sauder School of Business at the University of Britis...
by halfnine
Mon Mar 21, 2016 4:49 am
Forum: Investing - Theory, News & General
Topic: Best Resource for studying Currency Exchange Rates
Replies: 5
Views: 518

Re: Best Resource for studying Currency Exchange Rates

If anyone has a source (data alone is fine) for currency rates going back 30+ years I would be interested as well.
by halfnine
Mon Mar 21, 2016 4:22 am
Forum: Personal Finance (Not Investing)
Topic: living in different countries in retirement
Replies: 6
Views: 908

Re: living in different countries in retirement

Leeraar wrote:.... You need to be careful of stay restrictions in the Eurozone (90 days)....

L.


More accurately 90 days within the Schengen Area. And the 90 days being 90 out of every 180 days.
by halfnine
Fri Mar 04, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: House size advice for when the kids start leaving home?
Replies: 38
Views: 2916

Re: House size advice for when the kids start leaving home?

Thanks guys....lots of food for thought. ...An additional point of reference is that my wife is Hispanic and grew up in South America where she spent every Sunday afternoons at grandpa's big sprawling house with all the family and uncles and cousins and such, where there was a cook and two maids an...
by halfnine
Sun Feb 28, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 9974

Re: Finding out about a kid 17 years after the fact

The other benefit of getting the child US citizenship is that they would be eligible for social security survivorship benefits up until age 18/19 which IIRC would amount to around 75% of one's estimated benefits. Although, with a 17 year old child this would be of little benefit at this point. Of co...
by halfnine
Sat Feb 27, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 9974

Re: Finding out about a kid 17 years after the fact

In terms of material benefit to the child, the potential return of taking the steps to establish US citizenship seems likely to fall fairly high on the curve of return per unit of effort/money. That said, the kid may be happy in his home country, both now, and perhaps in the future. But folks chang...
by halfnine
Sat Feb 27, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 9974

Re: Finding out about a kid 17 years after the fact

Just a note that time is of the essence if the father decides to follow through. I believe that the child is only eligible for naturalization via his US Citizen parent through his 18th birthday (not sure if one must just apply before the 18th birthday as opposed to finishing the process before the ...
by halfnine
Fri Feb 26, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: What withdrawal % are you planning on?
Replies: 89
Views: 6166

Re: What withdrawal % are you planning on?

3.5% globally invested. Although, I don't really plan on it accounting for more than 40% of expenses after taking into consideration imputed rent and any social security/pension/annuity income streams.
by halfnine
Fri Feb 12, 2016 4:17 am
Forum: Personal Finance (Not Investing)
Topic: keep or sell house after separation
Replies: 40
Views: 2713

Re: keep or sell house after separation

In my situation (many years ago) I sold the house and moved on. In your situation though I might wait it out a bit. If and/or when the house becomes the only thing preventing you from moving on, sell it. Any cost associated with selling it will pale in comparison with the time you get back. Best of ...
by halfnine
Fri Feb 05, 2016 4:17 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6846

Re: Sibling's destination wedding?

If it was me, I probably wouldn't go but I would help pay for my parents to go if their circumstances required it. Our story. No matter how we arranged it our wedding was going to be a destination wedding for most everyone. And due to circumstances largely beyond our control it was impossible to get...
by halfnine
Fri Jan 22, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: Oil Slump ---- VGENX/FSENX? [Vanguard / Fidelity Energy Fund]
Replies: 27
Views: 2550

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

A little too speculative for my taste, but you might have a heartier appetite for risk than me, so whatever floats your boat. If you've done your research and are convinced that there's more room for upside than down and we are in fact at or very close to a bottom in oil...AND have some fun money t...
by halfnine
Mon Jan 18, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Bike or hike trip
Replies: 22
Views: 2074

Re: Bike or hike trip

Hike the Sierra High Camps - Yosemite (late summer possibly early fall)
Ride the White Rim Trail - Utah
Ride the San Juan Huts - Colorado/Utah
by halfnine
Sat Jan 16, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6630

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

..... Somewhere with good schools, good weather allowing plenty of outdoor activities, low-key pace, universities close by, and reasonable housing would be ideal. ..... I would agree with San Luis Obispo, Davis, Sacramento and some areas within San Diego county More specifics. We'd like: good publi...
by halfnine
Sat Jan 16, 2016 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed...US citizen attending college in Canada
Replies: 19
Views: 1186

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

Open an account with a canadian bank and then you can simply use one of the many online currency exchange places like xetrade, worldfirst, transferwise etc to transfer money. You send us dollars from your account, they exchange it and send canadian right to your canadian account. This. However, it ...
by halfnine
Sat Jan 16, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: early retirement, alternative lifestyles, etc, with kids
Replies: 9
Views: 1631

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

For those Bogleheads who have successfully left the traditional arrangement (1 or 2 parents working full time), and transitioned into either early retirement, a life of travel, etc - can you describe your arrangement (financial and otherwise)? We are at a similar age to you and are children aren't ...
by halfnine
Fri Jan 15, 2016 3:47 am
Forum: Personal Consumer Issues
Topic: Medical Insurance for New Zealand Working Holiday Visa
Replies: 5
Views: 469

Re: Medical Insurance for New Zealand Working Holiday Visa

Consider IMG Global or World Nomads. If he will no longer carry US health insurance be leery of any travel insurance policy that might repatriate him back to the USA for medical treatment which could happen if the cost of local treatment exceeds the cost of repatriation.
by halfnine
Fri Jan 15, 2016 3:34 am
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 7557

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

Almost 1M in net worth, 1 tenured job, 1 decent job easily re-found, 28K/year gift..... What was the question - oh yeah... Sure. My gf and I took 2 years traveling/working in my mid 20's without any of those things and had a great time. This. But, go for 14 months and start work the following Augus...
by halfnine
Wed Jan 13, 2016 4:19 pm
Forum: Investing - Theory, News & General
Topic: SWR vs Floors for retirement income
Replies: 19
Views: 1254

Re: SWR vs Floors for retirement income

I am beginning to drift towards the idea of splitting assets between property, stocks, bonds, and social security/annuities. And to eliminate risk starting retirement with no more than 40% dedicated to any one asset class.
by halfnine
Wed Jan 13, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6841

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

Oh, the places you'll go
by halfnine
Sun Jan 10, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 18601

Re: Tough Frugal Decisions

Lots of frugal decisions made over the years many of which have already mentioned. But one that really hasn't been addressed is that accommodation is generally expensive so I've spent a lot of nights sleeping in my car, at work, or at walk-in campgrounds (1 dollar/night at the time) I think the regr...
by halfnine
Sat Jan 09, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 40
Views: 3164

Re: 4 Days in Iceland - May 2016

Next question....Should I book hotels or wing it? We were there in mid July in the height of tourist season and hotels were hard to come by around then. Don't know what May is like. We opted to camp though instead as it gave us complete flexibility as to where to stay at the end of the day. Campgro...
by halfnine
Sat Jan 09, 2016 5:18 am
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 40
Views: 3164

Re: 4 Days in Iceland - May 2016

Lots of good advice already so I won't rehash any of it. Although, I'd also consider adding a B&B/farmstay/horse riding lodging for the night and use the opportunity to go for an Icelandic horseback riding excursion.
by halfnine
Sun Jan 03, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6871

Re: How did your retirement Portfolio do in 2015?

At quick glance down a bit when measure in USD, CNY or HKD. But, up in varying degrees when measured in CAD, EUR, GBP, NZD, or AUD.
by halfnine
Sun Dec 20, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 9239

Re: dilemma over house division during legal separation

She is from South America,.... One other thought. If she gets overwhelmed then there is a very real chance that she could take the kids and go back to South America to be with her family if they are still there. With that possibility you really need lawyers to help set up the custody right. This. M...
by halfnine
Thu Dec 10, 2015 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy for a crazy globe trotter
Replies: 11
Views: 1321

Re: Investment strategy for a crazy globe trotter

The year you take off I would work up until your encroach the 15% tax bracket before leaving. Then the year without income convert your IRA into a ROTH up to the 15% bracket (as a married couple and off the top of my head that should allow you to convert all of it). That year also cash out any longt...
by halfnine
Thu Dec 10, 2015 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: do I have enough to drop out of the rat race?
Replies: 49
Views: 8329

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

US expats investing domestically may be unable to buy mutual funds. ETFs not so much a concern. And, if you haven't found out on this forum already, US expats are often limited in what assets they can hold and in which companies they can hold it both within the USA and abroad. Using Schwab and ETFs...
by halfnine
Thu Dec 03, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 6127

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

As has been mentioned, for you any bike will really do. As for your child, get them a balance bike when they are young. Once they have mastered the balance bike get them some time or access to a tricycle to master pedaling. Then when they are tall enough for pedals (around 3 or so) get them a decent...
by halfnine
Thu Dec 03, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to start out with TurboTax?
Replies: 52
Views: 4796

Re: How to start out with TurboTax?

... However, as protagonist noted, when you start with a more advanced version it becomes a habit even if the advanced features are not needed. Victoria This is definitely true. That and changing from one brand of tax software to another becomes a bit of headache that I don't want to deal with eith...
by halfnine
Thu Dec 03, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Travel backpacks with removable backpack option
Replies: 42
Views: 3094

Re: Travel backpacks with removable backpack option

Backpacks with removable daypacks don't carry very well and the daypacks themselves are often ill-sized. It's better just to get a backpack that is sized for what you need and then get a small, light, compressible daypack that you can put inside the backpack (most of the time) or carry on the front...
by halfnine
Thu Dec 03, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to start out with TurboTax?
Replies: 52
Views: 4796

Re: How to start out with TurboTax?

My use of TurboTax is very similar to what you are looking at. I optimize my taxes via my own excel spreadsheet and then use TurboTax for the final crosscheck and printout. As far as optimizing with TurboTax, I have never found optimization by TurboTax to be superior to doing it on a spreadsheet tha...
by halfnine
Fri Nov 27, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: College abroad
Replies: 9
Views: 1292

Re: College abroad

My spouse and I have lived and worked across four continents. As such I don't have many concerns about which countries our children go to university as I know any downsides can likely be overcome. I will say though that I've found it easier to live among the locals in the country where I spent my fo...

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