Search found 1424 matches

by kramer
Sun Jan 31, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: Milestones between 0 and FIRE
Replies: 13
Views: 2673

Re: Milestones between 0 and FIRE

I retired early almost 9 years ago. I am single without children. For me the 2 big milestones that I still remember were 1) paying off all my school loans and 2) becoming a millionaire. Both those milestones happened much more quickly than I could have imagined. Another milestone I can recall was wh...
by kramer
Sat Jan 30, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: WSJ subscription, any deals?
Replies: 14
Views: 1578

Re: WSJ subscription, any deals?

This has been an eye opening thread for me, I gave up on the WSJ digital edition a long time ago when they raised their prices so much. But the prices presented here are so much more reasonable. The only "catch" that I noticed for the digital edition is that when you get a WSJ digital subs...
by kramer
Sat Jan 16, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Expats open which Schwab account? domicile/will issues
Replies: 3
Views: 293

Re: Expats open which Schwab account? domicile/will issues

I don't have the answers to many of your questions although I will be following this thread with interest. But one detail is that when opening a regular US Schwab brokerage account, besides a phone number and address, they require a US state driver's license number (or State ID number). At least thi...
by kramer
Sat Jan 09, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Google results bring up other people with your name - job search implications?
Replies: 23
Views: 1708

Re: Google results bring up other people with your name - job search implications?

I agree it is a good idea to do a bit of googling on yourself. My name is not common and until the early 2000's, I completely dominated the listings for my name (I was a public face in the computer industry). About 5 years later, as the internet surged in importance, I was just one of many with my n...
by kramer
Fri Jan 08, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Want to Retire to North Coast of San Diego in 15-20 years
Replies: 14
Views: 2199

Re: Want to Retire to North Coast of San Diego in 15-20 years

I grew up in the area and it has completely changed in the last 20 years and probably will change a lot in the next 20. And yes, my family used to grow flowers there :D I definitely would not buy there at this stage of your life, it just doesn't make sense, financial or otherwise, as there are just ...
by kramer
Fri Jan 01, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Any other Nuts have Bridgeway Mkt (BRSIX) in Taxable?
Replies: 3
Views: 411

Re: Any other Nuts have Bridgeway Mkt (BRSIX) in Taxable?

You can find a discussion along this line about BRSIX and its distributions here:

viewtopic.php?t=107161

I recently updated the thread with this year's BRSIX distribution information.
by kramer
Mon Dec 21, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Credit - how use it before expiry in eight years
Replies: 22
Views: 1191

Re: Foreign Tax Credit - how use it before expiry in eight years

For reference, here is the tax statement from the latest VWO annual report: Special 2014 tax information (unaudited) for Vanguard Emerging Markets Stock Index Fund This information for the fiscal year ended October 31, 2014, is included pursuant to provisions of the Internal Revenue Code. The fund ...
by kramer
Mon Dec 14, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Credit - how use it before expiry in eight years
Replies: 22
Views: 1191

Re: Foreign Tax Credit - how use it before expiry in eight years

For the tax year prior to when you incurred the foreign tax, you can carry back the foreign tax credit to that year, at least as much of it as you can use. That should help a little. You do this by filing a form 1040X and modified foreign tax credit form 1116 for that tax year. The rules are you can...
by kramer
Fri Dec 04, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Home network Guru's for 30 devices on router.
Replies: 57
Views: 3522

Re: Home network Guru's for 30 devices on router.

The only option is to add more "lanes". The expensive option is to add more access points and load-balancing software. A cheaper option would be to get a dual band (5GHz and 2.4GHz) router and manually split the devices between the two bands. Some home routers also have the option to do a...
by kramer
Wed Nov 18, 2015 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: ATM use in Europe
Replies: 31
Views: 1728

Re: ATM use in Europe

If you are going on a trip, the most important thing is to have at least 2 ATM/debit cards. In case one is damaged, stolen, eaten by a machine, lost, expires during your trip, is temporarily turned off for suspicion of fraud during your trip, that bank network becomes temporarily unavailable during ...
by kramer
Wed Nov 18, 2015 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Things to do near or in retirement while in the 15% bracket.
Replies: 17
Views: 2390

Re: Things to do near or in retirement while in the 15% bracket.

The only other idea is to look in QLACs to defer RMDs, although I am not well educated on them yet. Yes, I will be in the 15% bracket during most of my 50's and 60's as I slowly convert a Traditional IRA to ROTH IRA and take 0% Cap gains when appropriate. However, my understanding is that I can buy...
by kramer
Thu Nov 12, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: like to live in tropical weather
Replies: 26
Views: 3138

Re: like to live in tropical weather

e: like to live in tropical weather Postby kramer » Mon Nov 09, 2015 11:32 pm kramer im very interested in phlipine living -could you tell me or share your exprensce --where do you live -the place -how about medical issure and long term visa as expare thank you looking Sure, I will send you a PM wi...
by kramer
Thu Nov 12, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Medical invoice for services 10 months ago
Replies: 21
Views: 1974

Re: Medical invoice for services 10 months ago

So if the OP or others are taking a medical deduction on their taxes for the expenses of a major medical event, does the expense occur when the service is rendered or when you are billed for it or when you paid for it? This is relevant because there is a high threshold for deductibility (like 10% AG...
by kramer
Thu Nov 12, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Best value for online math classes (for credit)?
Replies: 9
Views: 617

Re: Best value for online math classes (for credit)?

It's funny where computer programming would require great math skills. Ever looked at the GMAT math review ? That and a good QT compiler...a good program flowchart...what couldn't be started ? Or finished by IBM or MSFT or just run the darn computer. :D But, anyway, with the GMAT math stuff what co...
by kramer
Thu Nov 12, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: BRSIX - 20% distribution
Replies: 21
Views: 3794

Re: BRSIX - 20% distribution

I hate to keep resurrecting this thread but BRSIX has another big capital gains distribution in 2015 coming, all long term capital gains. From: http://bridgeway_web.s3.amazonaws.com/cms/documents/13e714fe99520840/2015.11.05_Distribution_Estimates_for_Website.pdf They are predicting a $1.54655 long t...
by kramer
Mon Nov 09, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: like to live in tropical weather
Replies: 26
Views: 3138

Re: like to live in tropical weather

I had the same desire, wanting to live somewhere where it *never* gets below 60 degrees day or night, and preferably usually doesn't even get close to that. And also a place where the air was not dry. Climate was just one factor that I weighed among several in retirement. I was not looking to live o...
by kramer
Sun Nov 01, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: Shifting international towards small + emerging
Replies: 59
Views: 3647

Re: Shifting international towards small + emerging

OP, instead of doing what you proposed, think about tilting your US portfolio heavily to small cap value and own much less US large cap. Increase your percentage of foreign in your overall portfolio and put all the new money in small foreign and EM. By selling off most of the US large cap, you have ...
by kramer
Sun Nov 01, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Low-cost and low-maintenance hobbies?
Replies: 69
Views: 6854

Re: Low-cost and low-maintenance hobbies?

I would focus less on finding a low cost hobby and more on 1) Finding one you really enjoy that 2) is not overly expensive. In other words, for something so important to your life, I wouldn't avoid moderate or middle cost hobbies. Also, there is a personality issue. At one time I did some skiing and...
by kramer
Wed Oct 28, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: Resources for teaching football to kids (books, classes, equip., etc.)
Replies: 11
Views: 572

Re: Resources for teaching football to kids (books, classes, equip., etc.)

John T. Reed wrote excellent real estate books (which is how I know about him) but he wrote several on coaching youth football. I have not read them myself:

http://johntreed.com/collections/footba ... hing-books

His books are on Amazon, also.
by kramer
Wed Oct 21, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 24973

Re: What are your 2 retirement numbers?

Why spend 40 years working at a job you hate to accumulate enough money to quit. Wouldn't it make more sense to spend those 40 years at something that gives you a feeling or purpose and accomplishment? I saw an old black-and-white documentary once where a teen-ager asked his dad why he worked at so...
by kramer
Sat Oct 03, 2015 11:03 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance for parents coming to US
Replies: 14
Views: 1219

Re: Travel Insurance for parents coming to US

Back when I was living in Colombia, I can remember there was an incident where a British young adult was injured and paralyzed. He had been stuck in Colombia for months after he was stabilized because his family could not afford to fly him back to Britain. I don't think he had any travel insurance. ...
by kramer
Fri Oct 02, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Travel Insurance for parents coming to US
Replies: 14
Views: 1219

Re: Travel Insurance for parents coming to US

Nomads is great, especially if you can find a coupon. But they have age restrictions, eg 69 maximum for Australians and New Zealanders, 65 for Germans and Japanese, 59 for Canadians, 64 for UK. The policy maximums for visitorscoverage were absurdly low, topping out at $100,000, or a couple of kidne...
by kramer
Fri Oct 02, 2015 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 7306

Re: Should my husband become a US citizen?

Immigration/Customs people, of any country, scare me. Yes, never ever make the mistake of thinking that these people are your friends or that they are talking or joking with you for any reason other than to acquire information. Whether they are from your home country or a country you are visiting. ...
by kramer
Thu Oct 01, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance for parents coming to US
Replies: 14
Views: 1219

Re: Travel Insurance for parents coming to US

I use: https://www.worldnomads.com/ when visiting the USA. Under the covers, it is BUPA insurance which I think is the same as the link above. The insurance will be excluded in their country of residence. It is not gold standard insurance in the sense that, if they get something like cancer, they wo...
by kramer
Thu Oct 01, 2015 7:15 am
Forum: Investing - Help with Personal Investments
Topic: international exposure for investors (possibly) on the move
Replies: 2
Views: 283

Re: international exposure for investors (possibly) on the move

I think the answer to your question is basically Yes, you should invest something in the local economy and currency. Both countries that you mention, Australia and Switzerland, would be particularly susceptible to long term currency risk, also (and they have both recently had *big* currency moves in...
by kramer
Thu Oct 01, 2015 6:27 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for lasik operation?
Replies: 25
Views: 1707

Re: How to pay for lasik operation?

Just to be clear, you can use medical receipts back until the time you started your HSA, to justify future HSA withdrawals. You could pay for this surgery from savings. Then, 30 years from now, withdraw that amount from your HSA tax and penalty free. Plan to keep all of your relevant receipts until ...
by kramer
Thu Oct 01, 2015 12:09 am
Forum: Personal Consumer Issues
Topic: Here is my AM Internet reading routine
Replies: 13
Views: 1895

Re: Here is my AM Internet reading routine

Thanks for the suggestions.

I will add a good one: marginalrevolution.com

Some excellent links and insightful comments on culture and economics.
by kramer
Sun Sep 27, 2015 11:28 pm
Forum: Investing - Theory, News & General
Topic: Who Believes in International Bonds and Why
Replies: 44
Views: 2935

Re: Who Believes in International Bonds and Why

If you are a naysayer, you are already well represented in several threads already. It seems like there are a number of naysayers who just couldn't control themselves. :D I'm personally a naysayer, but I'd be curious to hear more from the supporters of international bonds. I am a theoretical suppor...
by kramer
Sun Sep 27, 2015 7:59 am
Forum: Investing - Help with Personal Investments
Topic: AA for Early Retirement
Replies: 32
Views: 4370

Re: AA for Early Retirement

I retired at age 41 over 8 years ago and shortly before retiring I changed my asset allocation from 75/25 to 65/35. Now, at age 49, it's more like 62/38. Almost 1/3 of the bonds are in long term inflation protected investments (30 year TIPs and I-bonds that mature from my mid-60's to my mid-70's -- ...
by kramer
Fri Sep 25, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: Bernstein's "Deep Risk" - A rare opportunity for inflation protection?
Replies: 56
Views: 7611

Re: Bernstein's "Deep Risk" - A rare opportunity for inflation protection?

Early retiree here for many years, now almost 50 years old, long term average of around 2.5% SWR, have read all of Bernstein's financial stuff, following are some changes I made or items that address this thread. I survived the test of the 2008-2009 crisis without financial behavioral issues which c...
by kramer
Tue Sep 15, 2015 12:08 am
Forum: Personal Consumer Issues
Topic: Affordable tablet for watching downloaded movies
Replies: 19
Views: 2062

Re: Affordable tablet for watching downloaded movies

Whatever you do, bring a battery booster/charger. Something that can charge your tablet when you are moving around. And a tablet takes more charging juice than your phone. Also, my experience is that the USB seat plugs on some trans-Pacific flights will charge a phone but not a tablet due to the lar...
by kramer
Sun Sep 13, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Help fleshing out the rest of my SE Asia vacation
Replies: 8
Views: 751

Re: Help fleshing out the rest of my SE Asia vacation

Thanks for the great and thoughtful responses so far! Follow-up question: has anybody had success booking their flights within SE Asia at the last minute and not paying an arm and a leg? Ideally, I think I would decide in Chiang Mai where my next destination is...I might meet some people I want to ...
by kramer
Sun Sep 13, 2015 1:11 am
Forum: Personal Consumer Issues
Topic: Help fleshing out the rest of my SE Asia vacation
Replies: 8
Views: 751

Re: Help fleshing out the rest of my SE Asia vacation

The first time I went to Chiang Mai, I had no real plans and ended up staying a month :happy If you like Thai food, be sure to take one of the many cooking classes on offer there. If you know how to ride scooters, be sure to go all the way up the mountain to Doi Pui Hmong village at the top of the m...
by kramer
Mon Aug 31, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Watching NFL Games Via Webstream
Replies: 16
Views: 2200

Re: Watching NFL Games Via Webstream

One negative to me when I looked at NFL Gamepass was that I had to stream it to my laptop and then get it to my big screen TV via HDMI cable or wireless streaming. I would rather use my Roku attached to my TV to do all the streaming and not involve my laptop, but the NFL has made it difficult to use...
by kramer
Mon Aug 31, 2015 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Expat: Vanguard declines to give advice. Move to Schwab?
Replies: 16
Views: 2265

Re: Expat: Vanguard declines to give advice. Move to Schwab?

I am a US citizen living abroad with a US mailing address service and I maintain a skype-based US phone number. For all of my financial relationships with American companies, I operate on a "don't ask, don't tell" basis when it comes to my living abroad. If the issue comes up (for instanc...
by kramer
Mon Aug 31, 2015 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Expat: Vanguard declines to give advice. Move to Schwab?
Replies: 16
Views: 2265

Re: Expat: Vanguard declines to give advice. Move to Schwab?

I am a US citizen living abroad with a US mailing address service and I maintain a skype-based US phone number. For all of my financial relationships with American companies, I operate on a "don't ask, don't tell" basis when it comes to my living abroad. If the issue comes up (for instance...
by kramer
Wed Aug 26, 2015 12:05 pm
Forum: Forum Issues and Administration
Topic: Staying logged in
Replies: 13
Views: 2132

Re: Staying logged in

Thanks for posting about this. It has been annoying and I just quietly tolerated it without thinking about it. Anyway, after reading this thread, I deleted all of my old Bogleheads cookies, and then re-logged in. Since then, everything has been working fine. The original cookies couldn't have been t...
by kramer
Mon Aug 24, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 7361

Re: VHT down 27% - Glitch or missed opportunity

An experienced trader friend also informed me that margin calls often come in as market orders at opening the following market day.
by kramer
Mon Aug 24, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 7361

Re: VHT down 27% - Glitch or missed opportunity

VHT = Vanguard's Health Care ETF Yes, I saw such an anomaly with IJS (S&P 600 value Ishares with about 4 Billion market cap size) for awhile after opening. It was down an average of about 28% over a series of trades stretching at least 15 minutes and possibly longer. Yes, it was a missed opportu...
by kramer
Mon Aug 24, 2015 6:59 am
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 8376

Re: Piling into emerging markets

Another caveat is that today most Chinese stocks had a trading halt since their daily losses are apparently limited to 10%. So I am not sure if this is properly priced into any VWO purchase today? Since the closing prices of those stocks are artificially high until at least tomorrow. Also, this must...
by kramer
Mon Aug 24, 2015 6:42 am
Forum: Investing - Theory, News & General
Topic: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s
Replies: 19
Views: 3993

Re: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s

See the postings by Alan S. in this thread for detailed info: http://www.bogleheads.org/forum/viewtopic.php?t=171050 -jalbert Thanks, that helps. I think I would only buy a QLAC within an IRA and not a regular SPIA to reduce headaches. And to defer taxation even longer after RMDs start.
by kramer
Mon Aug 24, 2015 12:08 am
Forum: Investing - Theory, News & General
Topic: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s
Replies: 19
Views: 3993

Re: Fidelity is offering Qualified Longevity Annuity Contracts (QLAC)s

Just to make sure I understand the RMD benefits of purchasing a QLAC within an IRA: * Purchase a QLAC with up to 25% of the current balance of your IRA, and the value of the QLAC itself will not be considered in RMD calculations. When the QLAC payments start coming into my IRA years later, those wil...
by kramer
Fri Aug 21, 2015 7:53 am
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 8376

Re: Piling into emerging markets

I really don't like that only 37% of VWO (Vanguard Emerging Markets ETF) dividends were qualified dividends in 2014. VWO paid about 10% of dividends in foreign taxes, so if your overall tax rate is 10% or higher (or if you fall under the $300/$600 total foreign taxes paid threshold), you will probab...
by kramer
Wed Aug 19, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: How many here follow Bogle's "no international" theory?
Replies: 82
Views: 5903

Re: How many here follow Bogle's "no international" theory?

58% international, 42% domestic. Target is 60% international
by kramer
Fri Aug 14, 2015 4:50 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 107
Views: 18022

Re: Am I crazy? Quitting my job.

There was an interviewer for oil jobs in Saudi. He asked each interviewee what their motivations for work were. Some would say they are going for the adventure, others for a change of pace, others to advance their career, others for the money. He said the only ones that consistently finished their c...
by kramer
Fri Aug 14, 2015 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Selling older home with old knob and tube wiring
Replies: 39
Views: 7892

Re: Selling older home with old knob and tube wiring

My Canadian friend in Toronto had knob and tube wiring in his entire place. He had an unrelated claim of several thousand dollars (maybe about 4 thousand). The insurance company paid but they said they were going to drop him in one month if he didn't get all the knob and tube replaced. He called sev...
by kramer
Mon Aug 10, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Foreign medical insurance
Replies: 2
Views: 328

Re: Foreign medical insurance

I am not answering your big question, but you can get Phil Health coverage in the Philippines (the government program to which your post refers), although I am not sure of the maximum age at initial sign up. Phil Health is a government insurance program that might pay about 25% of the cost of a publ...
by kramer
Mon Aug 10, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Should an expat keep Medicare?
Replies: 5
Views: 466

Re: Should an expat keep Medicare?

Hi, I am retired and living in the Philippines and I have given some thought to this issue, although I am still in my late 40's. Getting the preliminaries out of the way (from memory, so maybe not exact): Regular Medicare is free at age 65+ (for most people). Part B and Part D cost money. If you don...
by kramer
Sat Aug 08, 2015 11:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 67
Views: 8327

Re: Congrats to Laura Dogu

Very impressive and sounds like a dream assignment! I, too, echo congratulations. We are lucky to have had her here.

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