Search found 1464 matches

by kramer
Thu Jul 28, 2016 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 134
Views: 8513

Re: Any retirees here who have been life-long renters?

Could be a very small or non-existent group here. But I keep hearing the siren song of home ownership, but I am not sure if this is ever going to happen for me. I guess I need to hear from some folks that may have been able to retire and "win the game" without having been home owners. My ...
by kramer
Fri Jul 15, 2016 2:58 am
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3405

Re: Cell phone data plans

FrugalInvestor wrote:
abuss368 wrote:Someday soon we will all be on cell phones and the old home phone line will be a "thing" of the past.


That day has arrived for many if not most.

Ha ha yeah. I ditched my land line 13 years ago.
by kramer
Fri Jul 08, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Language Corps - Living in Asia or South America
Replies: 3
Views: 389

Re: Language Corps - Living in Asia or South America

I seriously considered teaching English abroad when I retired 9 years ago, although I ultimately decided against it. But without ever leaving home, I was able to learn a great deal about the market and conditions for teaching in each country, the requirements, costs, etc. from Dave's ESL Cafe: http:...
by kramer
Thu Jul 07, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2418

Re: Live abroad for a year?

3. You are entitled to TWO passports as a US citizen. I would bring both. You have to legally have it on you in Europe and while a photocopy is fine 99.9% of the time, there was a period in Italy where he embassy told us to carry them around. Maybe also get a passport card - easier to carry around ...
by kramer
Thu Jul 07, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2418

Re: Live abroad for a year?

I have logged into my Vanguard and Schwab accounts from all over the world (non-VPN) without a problem. In fact, I have a VPN but don't bother to use it with them. Same goes for several bank accounts (4 active accounts). I do maintain a US mailing address and US phone number (Skype In). Those are bo...
by kramer
Thu Jul 07, 2016 1:00 am
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2418

Re: Live abroad for a year?

I think it sounds interesting and doable. I would probably plan on moving around instead of basing myself in one location. My only advice would be to not focus on Europe so much, as so many Americans seem to do for whatever reason. Your kids will benefit much more by seeing other places besides just...
by kramer
Wed Jun 15, 2016 3:54 am
Forum: Personal Finance (Not Investing)
Topic: 2 separate cell phones for work & personal? [Physician]
Replies: 26
Views: 2503

Re: 2 separate cell phones for work & personal? [Physician]

Get a dual-sim phone and two phone numbers. In much of the world, dual-sim is the default phone configuration although it doesn't seem too common in the USA. In these phones, only one sim is data (3G/4G). Make that your personal sim, which is always on. Then you can turn on and off the second sim as...
by kramer
Tue Jun 14, 2016 3:26 am
Forum: Personal Consumer Issues
Topic: Virtual Reality
Replies: 15
Views: 1255

Re: Virtual Reality

There was an interview of a realistic futurist type a few months ago . . . and for the final question he was asked was what technologies could realistically be major game changers for many people within the next couple of decades. He said he could only name two. Self driving cars within 20 years. An...
by kramer
Mon Jun 13, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Recommendation for international SIM cards?
Replies: 30
Views: 1826

Re: Recommendation for international SIM cards?

http://prepaid-data-sim-card.wikia.com/wiki/Greece

I am traveling soon to a few new countries and I have found the above site useful for understanding their SIMs and mobile systems.

The phone to which you linked on Amazon does texts (that is what SMS means).
by kramer
Mon Jun 06, 2016 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: new course "The Global Financial Crisis" at coursera.org
Replies: 6
Views: 789

Re: new course "The Global Financial Crisis" at coursera.org

Thanks for the pointer. And, tangentially related, another amazing standard of living increase for us in the internet age. I was watching an old Columbo episode from the early 70's the other day. The multi-millionaire in this episode had a big mansion and a full-time butler and maid. The rich lady h...
by kramer
Mon Jun 06, 2016 3:07 am
Forum: Local Chapters and Bogleheads Community
Topic: D Day 72 years ago...
Replies: 48
Views: 3525

Re: D Day 72 years ago...

My great uncle "Kramer" (same name) died in this campaign in France in 1944. Thank you for your sacrifice and I wish I had had the chance to meet you.Image
by kramer
Tue May 31, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 71
Views: 9091

Re: Uber Car and the real cost of driving

My friend traveled to Kuala Lumpur, Malaysia a few months ago and only used Uber to get around the area. He never paid more than 2 US dollars for a ride inside the city, incredible. When I was staying in the same city a few years ago with my mother, we were staying at a nice hotel and early in the m...
by kramer
Sat May 28, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Catastrophic Health Insurance for Tourist in U.S.
Replies: 1
Views: 355

Re: Catastrophic Health Insurance for Tourist in U.S.

I use World Nomads (just google that). They seem to have a good reputation with expats. They only have a low deductible option, $100, I think. The insurance ultimately goes through BUPA, which is a reputable insurance company. Preexisting conditions are not covered. There is not health screening or ...
by kramer
Mon May 23, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Adding a tilt--which international fund to use?
Replies: 65
Views: 4277

Re: Adding a tilt--which international fund to use?

One possibility is to tilt to value mostly in your US allocation where doing so is cheaper. As an example, I am about 40% US and 60% international. The large majority of my US allocation is in VBR (Vanguard Small cap Value). For international, I have a lot of VSS for small and then VEA and VWO for l...
by kramer
Fri May 20, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct -Changing Bank Account Info
Replies: 30
Views: 4040

Re: Treasury Direct -Changing Bank Account Info

Old post, but I spoke to a treasury direct representative today and they notified me that starting tomorrow (May 21, 2016) you will not need to fill out the form 5512 (bank change form with certifying/medallion signatures) in order to change banks. You will be able to make the change directly onlin...
by kramer
Fri May 13, 2016 12:23 am
Forum: Investing - Help with Personal Investments
Topic: What's your EM tilt and why?
Replies: 43
Views: 2596

Re: What's your EM tilt and why?

About 27% of my foreign stock allocation is to emerging markets. Foreign stocks make up about 60% of my holdings, so emerging markets represent about 16% of equity holdings (VWO, portion of VSS and VNQI) Why? : * I live and spend in an Emerging Market country so the EM currency/markets correlate bet...
by kramer
Sat May 07, 2016 10:26 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4097

Re: Retirees: Who's not changing their AA, ever?

Interesting thread. Age 50, early retired 9 years ago, low withdrawal rate. I have been 63% to 65% stocks throughout. The Great Recession was a good test and I remained optimistic throughout. One change that I made after the Great Recession that doesn't show up in the numbers is that my bonds are no...
by kramer
Sun May 01, 2016 11:58 pm
Forum: Investing - Theory, News & General
Topic: Foreign Tax Credit, Form 1116, Double Taxation
Replies: 16
Views: 1369

Re: Foreign Tax Credit, Form 1116, Double Taxation

kramer - Thanks for the reminder on Foreign Tax Credit that may be carried forward ten years or back one year. I also have started to use Foreign Tax Credit that could not be used in previous years. I'm not enjoying the calculations and documentation required but the benefit is definitely worth the...
by kramer
Sun May 01, 2016 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Change of Lifestyle in Retirement/Mobility
Replies: 9
Views: 1662

Re: Change of Lifestyle in Retirement/Mobility

BareFootGirl, I have walked a similar path. I retired at 41 in Silicon Valley. I never intended to retire there and had been planning my departure for awhile. I traveled for most of the next 5 years, or at least I lived in a lot of places temporarily in between travels, never had a lease, etc. Five ...
by kramer
Sat Apr 30, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: Foreign Tax Credit, Form 1116, Double Taxation
Replies: 16
Views: 1369

Re: Foreign Tax Credit, Form 1116, Double Taxation

For those of us with annual large unused foreign tax credits, some tax planning is in order. I am retired and living on dividends and a few capital gains and my foreign taxes paid on foreign stock ETFs (all based at Vanguard) well exceed the $300/$600 threshold. And my US tax liability is low. As I ...
by kramer
Thu Apr 28, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Semi-Retirement and Mexico/Central America
Replies: 14
Views: 1638

Re: Semi-Retirement and Mexico/Central America

If you want to do work online, you'll want to start your research with places that have reasonable internet infrastructure. Don't just assume that a place with lots of expats has fios for $29 a month. You probably don't want to drive 100 miles to get to the nearest internet cafe. Of course, it goes...
by kramer
Thu Apr 28, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Semi-Retirement and Mexico/Central America
Replies: 14
Views: 1638

Re: Semi-Retirement and Mexico/Central America

Unfortunately, in the Latin American world, most countries have "old style" pensionado visas that require a pension that most early retirees cannot satisfy with assets. Some countries are even more restrictive -- I was living part-time in Colombia a few years ago and you are only allowed 6...
by kramer
Tue Apr 26, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Damaged iPhone 5S
Replies: 13
Views: 984

Re: Damaged iPhone 5S

Not to mention that a smartphone is probably depreciating in value by 50% per year (continued use plus obsolescence), in fact, probably more.
by kramer
Tue Apr 19, 2016 9:37 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2751

Re: Roku 3 v. Apple TV v. ???

Another nice thing I have found about Roku 3 is that it can show the screen of your PC wirelessly, no HDMI cable required. At least with Windows 8.1 or later, Miracast is bundled, and the Roku accepts that signal. It's good enough to play back movies, etc. Also, if you are using headphones on your P...
by kramer
Sun Apr 17, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye College Loan!
Replies: 12
Views: 1057

Re: Goodbye College Loan!

Congratulations! I am retired now, but paying off my student loans was one of the signature events of my financial life. And I can never forget that feeling nor the phone call when I made the query about the exact final balance to send in 18 years ago. It really set the foundation for my future savi...
by kramer
Sun Apr 17, 2016 7:10 am
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 47
Views: 7596

Re: How long does TreasuryDirect take to convert paper I bonds?

I plan to start cashing in I-bonds in about 14 years. I am afraid to convert my paper I-bonds to TD direct yet because, if I mess up during any step or if my bank account information ever changes, I might have to produce the dreaded medallion stamp which is basically impossible for me since I live a...
by kramer
Sat Apr 16, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Good countries to accumulate in?
Replies: 13
Views: 1306

Re: Good countries to accumulate in?

Start to think about your skill set and what you will need to achieve this goal. I didn't really want to live abroad until my late 30's and at that point I did some self analysis and decided that my skill set would need quite a bit of development to get the sort of post I wanted (I worked for a glob...
by kramer
Sat Apr 16, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Good countries to accumulate in?
Replies: 13
Views: 1306

Re: Good countries to accumulate in?

I was going to suggest Hong Kong for low taxes. Although housing is outrageous, even compared to Manhattan. I have a number of friends who have been able to bank a lot of money there, even though they were working mostly in China proper. Also, if you start your own corporation, Hong Kong can be a go...
by kramer
Fri Apr 15, 2016 12:42 am
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 5041

Re: My neighborhood is too quiet (and no kids)

We all have our preferences, and I think the lesson here is to know what your preferences are. After growing up in quiet residential neighborhoods, it took me awhile to figure out that I really dislike that kind of neighborhood. I now would only live in a walkable and mixed-use/zoned neighborhood (b...
by kramer
Thu Apr 14, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Scheduling Flight for Minimal Jet Lag
Replies: 17
Views: 1310

Re: Scheduling Flight for Minimal Jet Lag

A lot of this depends on your abilities. I can't sleep on planes, so for me a departure time of early afternoon for an international flight is ideal as I want to sleep as late as possible before I have to leave for my flight. And then I am not tired on the flight itself so I can read comfortably. In...
by kramer
Tue Apr 05, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate with zero growth
Replies: 38
Views: 3158

Re: Safe withdrawal rate with zero growth

His biggest risk by far is divorce - the other risks mentioned pale in comparison. Hopefully, now that he has made enough money for the rest of his and his wife's life, he will be wise to stay focused on his marriage.
by kramer
Tue Apr 05, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: travel health insurance with major health issues
Replies: 12
Views: 1191

Re: travel health insurance with major health issues

Today I talked with my Canadian friend about this who is well versed in these issues. He said the Canadian health insurance automatically covers you but only up to what Canada would pay, which is a lot less than the typical USA cost(so the problem is worst than I indicated in my first post in this t...
by kramer
Mon Apr 04, 2016 7:04 am
Forum: Personal Consumer Issues
Topic: travel health insurance with major health issues
Replies: 12
Views: 1191

Re: travel health insurance with major health issues

I believe the OP is Canadian and looking for insurance cover in the USA. My Canadian friends are covered by their Canadian government health insurance when they travel, although I am sure it varies by province. For instance, on OHIP (Ontario) my buddy is automatically covered for up to 7 months per ...
by kramer
Thu Mar 24, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawal Rate at different retirement ages?
Replies: 10
Views: 1798

Re: Safe Withdrawal Rate at different retirement ages?

The SWR will decrease if you retire with a greater life expectancy (e.g., if you retire younger). Another major factor for most people is that they start getting social security in their 60's which reduces the expenses that need to paid out of their savings and thus increases their SWR. Based on pas...
by kramer
Tue Mar 15, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Physics major question
Replies: 53
Views: 4963

Re: Physics major question

I have a BA (!) in physics and an MS in mechanical engineering. It wasn't a problem getting accepted to MS programs in engineering so I doubt he needs another bachelors degree. I have found the physics degree to be very useful in my 10 year engineering career but I too found little interest from em...
by kramer
Mon Mar 14, 2016 7:23 am
Forum: Investing - Help with Personal Investments
Topic: 28 year old, $6mm, how to retire?
Replies: 71
Views: 14208

Re: 28 year old, $6mm, how to retire?

For starters, read the free 40 page PDF book by Dr. Bill Bernstein called "If you Can" (just google for the download location). This will give you a quick overview of passive investing and the pitfalls that investors encounter. It also has reading references and homework so you can expand ...
by kramer
Mon Mar 14, 2016 4:12 am
Forum: Investing - Theory, News & General
Topic: Life Expectancy Percentiles
Replies: 14
Views: 1537

Re: Life Expectancy Percentiles

Life expectancy at age 65 in the US has been increasing by over a year per decade (in fact, the trend actually accelerated slightly from 2000 to 2010). So is this table looking into the future and anticipating the continuation of that trend? Or is it looking at how long people are living right now? ...
by kramer
Sun Feb 28, 2016 3:24 am
Forum: Investing - Help with Personal Investments
Topic: Which brokers are friendly to expats?
Replies: 28
Views: 2343

Re: Which brokers are friendly to expats?

Vanguard won't let me login online from Thailand (as an American). My only option then is the phone, or bypassing their filter using a VPN. But the VPN is not something I want to rely on -- are there any other brokers who allow logging in overseas? The first time I visited Thailand, I found out tha...
by kramer
Tue Feb 23, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 10428

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 1...
by kramer
Sun Jan 31, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: Milestones between 0 and FIRE
Replies: 13
Views: 3011

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: 15
Views: 2239

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: 423

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: 1911

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: 2479

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: 530

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: 1511

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: 1511

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: 4618

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...

Go to advanced search