Search found 629 matches

by halfnine
Thu Feb 16, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2535

Re: What's the secret to happiness?

If you're happy, what's your secret? I retired in 2010 and had difficulty filling the hole in my life where there used to be a career. I tried to expand my hobbies and interests and that worked. Sort of. The advice from this forum is especially effective when it explains a method (like orderliness ...
by halfnine
Thu Feb 16, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: American in Japan: Roth IRA Not Worth It Unless Retiring in America?
Replies: 13
Views: 1380

Re: American in Japan: Roth IRA Not Worth It Unless Retiring in America?

...The only reason I've heard for anyone giving up US citizenship is to avoid our draconian tax system... Let's just say the thought has crossed my mind, by it's not something I'm seriously considering at this point in time.... It isn't all that common but people do give up their US citizenship whe...
by halfnine
Thu Feb 16, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 97
Views: 8966

Re: Who would quit playing if they already won?

At a 2% withdrawal I'd no longer worry about shallow risk and would completely focus on what I could do about deep risk. How much you need to worry about shallow risk depends to some extent on your asset allocation. Even at 2%, if you were invested in 100% stock, shallow risk at the wrong time (ie ...
by halfnine
Thu Feb 16, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 9075

Re: Appalachian Trail thru-hike in retirement?

.... Clearly the AT and PCT (and CDT) are very different in many ways, certainly worth researching before just picking the closest one geographically.... I am going to agree with this. Everything I have experienced and heard dictates these trails are all very different. Choose the one that has that...
by halfnine
Thu Feb 16, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Never-Ending Foreign Tax Credit Problem
Replies: 33
Views: 2367

Re: Never-Ending Foreign Tax Credit Problem

.. Yes, I don't want to get into the 25% bracket for conversions and I am already filling up a lot of the 15% space with dividends (which have a 0% rate). Even going too far into the 15% bracket with conversions makes me hit a 30% marginal rate (minus the tax credit bonus I described) because my di...
by halfnine
Thu Feb 16, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1163

Re: Investing Advice for Baby/Infant

I'd be concerned about being an expat and having any tax deferred accounts for a child. Kiddie tax laws with taxable is a headache enough as rules for each country vary dramatically. A tax deferred account may not be recognized at all.
by halfnine
Thu Feb 16, 2017 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 5239

Re: Retire in my 30s?!

I am planning to have kids in the future so that is something I need to consider as well. The house and the kids do not necessarily have to be major expenses, however, if you have kids in the future and at some point ending up sharing custody it's unlikely you will be retired. That's your biggest r...
by halfnine
Wed Feb 15, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8742

Re: -$280k Net Worth Has Me Up At Night

If your current debt has you up at night now how would you feel if we see another crisis like 2008 with your current assets and liabilities. While I feel there is value in diversifying assets into property rentals (more so than most Bogleheads) it might very well be time for you to sell the rental.
by halfnine
Tue Feb 14, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Attending Banff Mountain Film Festival
Replies: 37
Views: 2339

Re: Attending Banff Mountain Film Festival

..... Danny MacAskill's Wee Day Out was one of my two favorite films..... He has quite a few other short films on YouTube or Red Bull. While they demonstrate his skill they do lack the story line and bloopers that were part of Wee Day Out. ...The other one was Metronomic with French musicians playi...
by halfnine
Tue Feb 14, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 97
Views: 8966

Re: Who would quit playing if they already won?

At a 2% withdrawal I'd no longer worry about shallow risk and would completely focus on what I could do about deep risk.
by halfnine
Tue Feb 14, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 50
Views: 2895

Re: Kids in Apartment Sharing Bedroom - Workable?

We have 2 bedrooms and 200 sq ft less than you. Kids are a few years older but so far so good. We kept the youngest in our room until around 3. The kids sleep was paramount in our house as a good sleep (for them) meant they were loads easier the following day. Where we live families in 1000 sq ft ap...
by halfnine
Tue Feb 14, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Early Retirement in Mexico, Healthcare
Replies: 26
Views: 4149

Re: Early Retirement in Mexico, Healthcare

I still do not quite understand what people do when they move there for black swan health events. If you have something smaller you can just pay out of pocket since most things are much cheaper. But what if you have something that requires long term expensive treatment and want to come back to the ...
by halfnine
Tue Feb 14, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: American in Japan: Roth IRA Not Worth It Unless Retiring in America?
Replies: 13
Views: 1380

Re: American in Japan: Roth IRA Not Worth It Unless Retiring in America?

Since Japan doesn't recognize dual citizenships I am going to assume it is unlikely you'll ever become a Japanese citizen. For permanent residents many countries let you leave the country for up to around 2 years or so without losing permanent residency. If this is true for Japan then at some point ...
by halfnine
Sun Feb 12, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Attending Banff Mountain Film Festival
Replies: 37
Views: 2339

Re: Attending Banff Mountain Film Festival

The Banff Mountain Film Festival is now showing in various locations around the U.K. You have two programs, Red and Blue. If you can't do both, I'd recommend the Red one. I don't make it to film festivals these days . Not sure why. Probably for a variety of reasons. But you made me look. I have act...
by halfnine
Sun Feb 12, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3011

Re: Which 25X is it? [Planning for retirement]

Not there yet but tentatively

C.

Where value of Social Security + Pensions + Annuities is capped at 40% of expenses
imputed rent is considered an expense
house value is considered an asset in the 25x
by halfnine
Mon Feb 06, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Attending Banff Mountain Film Festival
Replies: 37
Views: 2339

Re: Attending Banff Mountain Film Festival

Over the years I too have enjoyed many mountain film festivals including the Banff Film World Tour but have also never attended the Banff Mountain Film Festival in Banff itself. Anyway, a couple of thoughts/speculations. Would not necessarily be limited to taking a bus one could always walk :) I am ...
by halfnine
Thu Feb 02, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Unsure which country i'm retiring in - investing advice?!
Replies: 4
Views: 681

Re: Unsure which country i'm retiring in - investing advice?!

Search through the posts by TedSwippet. Should find many of the answers you are looking for. It sounds like you will be in the USA for a while but if you change your mind I would at least aim for working for 10 years in the USA to become eligible for Social Security benefits. The USA SS benefit is o...
by halfnine
Tue Jan 31, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3202

Re: Are you changing your AA based on current events?

Back in 2011 the world as we saw it was increasingly getting more nationalist and populist than we were accustomed to. It gave us pause to make adjustments to our asset allocations based on our revised willingness and need to take risk. Whether that risk finally shows up....I have no idea. Bur, rece...
by halfnine
Tue Jan 31, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 22767

Re: Annual Vacation Budget

[...]Personally, I despise paying twice for accommodation while traveling. As such during the times when we do travel while maintaining a residence it is generally geared towards camping. For instance, a few years back we drove around Iceland camping as we went.[...] I fail to get your rationale be...
by halfnine
Wed Jan 25, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1253

Re: Storing pictures on long trips

Can't really help as the technology has changed dramatically since my last long trip. However, I came across this article by Alastair Humphreys a little while back. Although, unlikely required for most anyone's trips it even goes a step further in that sans laptop it can also be sans electrical outl...
by halfnine
Mon Jan 23, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 22767

Re: Annual Vacation Budget

We have never had an annual vacation budget. We've always tried to keep costs down though. Generally by bulking a lot of travel together into multi-month or year long trips. And then, alternatively, going many years without travel at all. Personally, I despise paying twice for accommodation while tr...
by halfnine
Sun Jan 22, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: U.S. brokerages and retiring abroad
Replies: 24
Views: 1963

Re: U.S. brokerages and retiring abroad

My recommendations:

- multiple brokerages
- etfs
- mail forwarding address
- VPN when logging in
by halfnine
Fri Jan 20, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5770

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: 497

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: 2292

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: 1789

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: 2326

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: 2560

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: 60
Views: 4256

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: 60
Views: 4256

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: 2377

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: 4076

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: 1366

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: 5545

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: 1848

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: 1848

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: 1848

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: 1848

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: 1848

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: 1848

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: 4461

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: 4461

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: 7149

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: 1929

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: 1929

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: 1035

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: 15484

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: 9739

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: 2395

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: 1948

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 ...

Go to advanced search