Search found 619 matches

by Hyperborea
Mon May 14, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: New(ish) attending physicians in the Bay Area: Housing
Replies: 136
Views: 9218

Re: New(ish) attending physicians in the Bay Area: Housing

This has crossed my mind too although the counter is that at least for now, our cash flow is very healthy renting and while that may one day eventually change, we’ll be well prepared to buy or move at that point (saving maybe 200k/year currently). Much of that annual savings is wiped out by the ann...
by Hyperborea
Mon May 14, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality
Replies: 72
Views: 7799

Re: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality

wrongfunds wrote:
Mon May 14, 2018 11:02 am
Anything else am I missing?
Zombie apocalypse, alien invasion, takeover by the Shriner's in midget cars, any of which means we need a bunker, gold, and canned beans.
by Hyperborea
Sun May 13, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Sumitomo Tires
Replies: 8
Views: 1127

Re: Sumitomo Tires

I don't know about those specific tires but Sumitomo HTR Z III have been a well known "secret" in the sports car community for a long time. I went through 2 and a half sets over a decade on my sports car. Those are max performance summer tires so a bit soft and the wear isn't the same as a family se...
by Hyperborea
Sun May 13, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Sapphire, CapOne Venture, United Explorer, what's next?
Replies: 3
Views: 531

Re: Sapphire, CapOne Venture, United Explorer, what's next?

Chase IHG card for hotel nights. There were 80K points for $3K spend around. That will give you a variable number of hotel nights depending on the hotel in the IHG chain that you stay at. $49 / year for the card waived for the first year. Every year on your anniversary you get one free night - used ...
by Hyperborea
Sun May 13, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

Yes, filing a W4 with your payroll office. That 110% is of actually taxes paid (total tax on the 1040) and not on taxes withheld in the previous year. Remember that there might be a lead time before the W4 changes take effect. This can be important in calculating how much to withhold but more so in...
by Hyperborea
Sun May 13, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

Ok. For federal taxes it means - I just need to make sure that I pay 110% of 2017 taxes, I paid 29K in federal taxes last year (have to get a refund of around 4K) - which means if I can ensure that my company is holding roughly 32K for the entire year - then I am safe, right? Assuming I am almost a...
by Hyperborea
Sat May 12, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2181

Re: Online/cloud backup or file storage?

I'll second (third?) the suggestion to not use the library computer for logging into important accounts. The only way that I'd use the library computers for important stuff is if I was in such dire straights that I had no other choice - e.g. I was homeless. Otherwise use it to read the online newspa...
by Hyperborea
Sat May 12, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

You need to check if you are in "safe harbour" limits. If you meet certain limits of tax paid then you don't have to prepay to avoid a penalty. Federal and California safe harbour limits are somewhat different so you need to check both. Federal is 100% or 110% (income $150K+) of last year's taxes o...
by Hyperborea
Sat May 12, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

Hi Guys, I just saw sold the stocks worth 122K with 105K as capital gains. I think I need to pay Advance Tax to the IRS before the quarter ends i.e. 15th June, is that right? Do I pay the entire tax in one chunk or divided into quarters? Should I take help from a tax advisor for this or just put in...
by Hyperborea
Fri May 11, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19833

Re: Why International again?

rudeboy, Look, I don't even know what your chart is comparing. How is the global portfolio constructed? Is it equally-weighted by country/region, or equally-weighted by market caps? U.S. small caps returned much more than the S&P500 (have a look at the chart below), so adding small caps to the U.S....
by Hyperborea
Thu May 10, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19833

Re: Why International again?

rudeboy, Look, I don't even know what your chart is comparing. How is the global portfolio constructed? Is it equally-weighted by country/region, or equally-weighted by market caps? U.S. small caps returned much more than the S&P500 (have a look at the chart below), so adding small caps to the U.S....
by Hyperborea
Thu May 10, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 147
Views: 15115

Re: 100% Stock Portfolio?

C'mon now! You know the general consensus amongst bogleheads is to not consider your emergency fund/cash reserve as apart of your portfolio. this is not the general consensus. I consider all my investible assets as a whole. That means my taxable, my 401K, IRAs, HSA, bank accounts, cash on hand (etc...
by Hyperborea
Wed May 09, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19833

Re: Why International again?

Why all this talk about US total market? It's shockingly obvious that US small cap value has done far better. Just over the last 19 years NAESX (Vanguard Small Cap Value) has returned almost double that of VTSMX (Vanguard Total US). It's blindingly obvious which one of those one should have been inv...
by Hyperborea
Wed May 09, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16804

Re: What Percentage CASH are you?

Cash has never been set at a percentage of the portfolio. It's been set as a fixed amount based on need. So, it can be calculated as a percentage of the total portfolio but that's pretty much meaningless. At this point in time, recently retired and just sold my house to become somewhat nomadic, I've...
by Hyperborea
Tue May 08, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5914

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Budget is the starting point because the cars we think we might need (or want) range from a $5,000 10+ year old wagon to a brand new $50,000 Lexus SUV. Taking a step back, we wonder if putting 2.5% of our NW instead of 25% into a depreciating asset is a good idea, taking into account the additional...
by Hyperborea
Tue May 08, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 3515

Re: Traveling to Asia-need advice

I'd advise him to skip Japan at this point. I have spent a few months traveling in Japan and it is definitely one of my favorite countries to travel in but it is best enjoyed when you have money. Most experiences in Japan do not come cheap. The possible exception being traveling and camping around ...
by Hyperborea
Sun Apr 29, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance, do we need it and how?
Replies: 23
Views: 2476

Re: Health insurance, do we need it and how?

If you are buying health insurance for coverage outside the US make sure you get the right coverage. Travel insurance is for travellers who have insurance in the US and it is meant to top up the home coverage and you won't be covered for long term treatment for things like cancer etc. They will have...
by Hyperborea
Sun Apr 29, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 15596

Re: Trinity Study updated to 2018

It never ceases to amaze me how many people overlook the non-portfolio stable inflation-indexed lifetime income portion of the VPW strategy when making comments. Ah yes, those great pensions which so few people have these days. So, let's say one is retiring at 50. They like most people have no pens...
by Hyperborea
Sun Apr 29, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Would you buy this? (Phone Question)
Replies: 18
Views: 1163

Re: Would you buy this? (Phone Question)

One issue will be the differences in the UI that seem small but will have you making mistakes and having to think through everything for a while until you get used to it. The biggest issue will be the different ecosystem - apps (perhaps paid for) that won't be on the other phone, mail, online storag...
by Hyperborea
Sun Apr 29, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10284

Re: Nomadic lifestyle in their 50s

I'll point out 2 well known in the FIRE community couples that have done this. Both of these couples have interesting info that may help you out in your own planning. The first is the Terhorsts who have been at the nomad FIRE life for 35 years. Their book, Cashing in on the American Dream: How to Re...
by Hyperborea
Sun Apr 29, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 15596

Re: Trinity Study updated to 2018

It never ceases to amaze me how many people overlook the non-portfolio stable inflation-indexed lifetime income portion of the VPW strategy when making comments. Ah yes, those great pensions which so few people have these days. So, let's say one is retiring at 50. They like most people have no pens...
by Hyperborea
Sat Apr 28, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 889

Re: Did you rent car in Spain?

I've rented a car in Spain (and France and Italy, and a camper and a canal boat in France). The use of the car was for smaller towns and villages often there is spotty or no easy commuting between some of the small town. Sometimes the rail links don't go where you want and sites outside of towns are...
by Hyperborea
Sat Apr 28, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9120

Re: How did you tell the boss you're leaving/retiring?

you are not as indispensable as you might want to think. Yep. The right answer. I like this reminder of how important we all are and how much of a problem our retirement will cause for the corporation. Somebody posted this years ago on one of the original early retirement discussion boards. The Ind...
by Hyperborea
Wed Apr 25, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 3515

Re: Traveling to Asia-need advice

If he wants to stay connected with the western world, be sure that he has a working VPN with his laptop/smartphone. FaceBook, Twitter, Google-stuff are all NOT available without VPN. This is only true of mainland China, not Taiwan, HK, or any of the other places OP mentioned. VPN in China is very m...
by Hyperborea
Tue Apr 24, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

OK. I guess I have to take the penalty one day or the other. Coming back to where to invest, I am getting a sense that a standalone taxable brokerage account with 2-3 Vanguard funds would be a good way. You seemed to suggest in the initial reply that I could put some of it in my wife's IRA right? B...
by Hyperborea
Tue Apr 24, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30429

Re: KF's simple rules to achieve FI

The rule we DID follow was: * Purchase price < 3x income * Able to carry the loan on a single income Those are good rules-of-thumb. We never exceeded about 2.1X our annual income on home purchases, and we always used 15 year mortgages. It certainly worked out very well for us. I like Thomas Stanley...
by Hyperborea
Tue Apr 24, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Our gap year aka trying out early retirement
Replies: 5
Views: 1668

Re: Our gap year aka trying out early retirement

It's a bit hard to tell your actual allocation as the previous responder mentioned but it does look too conservative. For a short "normal" retirement of approx. 30 years (i.e. retiring at 65 or so) then anything north of about 25% in equities will make it if you withdraw about 3.5%. If you want more...
by Hyperborea
Mon Apr 23, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30429

Re: KF's simple rules to achieve FI

The rule we DID follow was: * Purchase price < 3x income * Able to carry the loan on a single income Those are good rules-of-thumb. We never exceeded about 2.1X our annual income on home purchases, and we always used 15 year mortgages. It certainly worked out very well for us. I like Thomas Stanley...
by Hyperborea
Mon Apr 23, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30429

Re: KF's simple rules to achieve FI

I did read through the thread, but I am going to go back and quote the first post to ask some follow up questions..... KF, can I ask you a general question - what specific kind of engineer are you? I've seen you mention being an engineer and also mention IT. But you also talk about HCOL area and fa...
by Hyperborea
Mon Apr 23, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 192
Views: 13524

Re: BH travel tips?

-we leave driver licenses home. (not renting car) I'd carry the drivers license. It's great to have a picture ID when you are out and don't want to carry your passport with you everyday all the time. There are also some places (museums and such) that want a picture ID left in exchange for the audio...
by Hyperborea
Mon Apr 23, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 2894

Re: Coffee maker recommendations

bungalow10 wrote:
Fri Mar 23, 2018 10:00 am
I don't like running downstairs mid-routine - and not fully dressed.
I recommend a bathrobe and a stair climbing mobility scooter.

Image
by Hyperborea
Mon Apr 23, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

Many countries don't recognize Roth IRAs as a tax deferred account. If you plan to return home at some point you may end up paying taxes there on dividends and sales within the account or on sales from the account. That way you lose on the front and on the backend. You need to check the laws of you...
by Hyperborea
Sun Apr 22, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

With the 24.33% tax rate the calculation should look like this: Invested Money: 3875 Total Value Now: 41921 Gain: 35261 Tax to be paid = 8580. For RSUs that looks right if the basis is right. You should have gotten notice from your company about the cost basis. ETrade is probably right though. For ...
by Hyperborea
Sun Apr 22, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 192
Views: 13524

Re: BH travel tips?

I frequently wished that I had a compass in cities, but was not familiar with the concept of button compasses. On Amazon they have more sophisticated ones for $8 and above, and cheap ones selling 10 for $10. Which one do you use? I've had a little one that, IIRC, cost about $5 a number of years ago...
by Hyperborea
Sun Apr 22, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

I just decided to test this out on Etrade account. I selected some stocks and RSU back from 2018-2010. Invested Money: 3875 Total Value Now: 41921 Gain: 35261 RSUs are a whole different animal than ESPPs that you were asking about above. So given the tax rates 24 + 9.3 = 33.33, I will pay a tax of ...
by Hyperborea
Sun Apr 22, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Approach to diversity out of a single stock (purchased through ESPP)
Replies: 52
Views: 3289

Re: Approach to diversity out of a single stock (purchased through ESPP)

(also do note I a non-resident US alien). I think given the other information that you have (401k, US tax rates, etc.) that you are actually a US resident alien. You might be on a temporary work permit but you will still be US resident alien if you are living in the US full time (and sometimes even...
by Hyperborea
Sat Apr 21, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Paying off mortgage vs investing
Replies: 17
Views: 2148

Re: Paying off mortgage vs investing

Paying down the mortgage to $750K is a risk-free return of 2.875%, tax-free. Paying it down any further is a risk-free return of 2.875%, taxable as long as you itemize deductions, which is likely to be most of the rest. You are in a 37% federal bracket, so that is a 1.81% return after federal tax. ...
by Hyperborea
Fri Apr 20, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11245

Re: New retirees: so whatdayathink ?

I've been retired about a year and a half now. The biggest surprise is how much work it is to empty out a house. We've been at it for about a year now with increasing intensity and trying to sell as much as we can or make sure that stuff goes to somebody who will use it rather than putting it in the...
by Hyperborea
Fri Apr 20, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help to FIRE in Thailand
Replies: 28
Views: 3415

Re: Need Help to FIRE in Thailand

I'm not 100% sure of the Thai tax situation but it was my understanding that gains kept outside of Thailand and not brought in during that tax year are not taxable in Thailand or something to that effect.* If you hold the investments then the US will tax you on that money anyways. However, if your w...
by Hyperborea
Thu Apr 19, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to move money to the US for investing
Replies: 11
Views: 1001

Re: Best way to move money to the US for investing

Vanguard doesn't want to deal with non-US residents even if they are citizens. My ex-colleagues who were working abroad did everything they could to hide that fact from Vanguard so they wouldn't have to close or move their retirement accounts. Interactive Brokers as mentioned above is a good choice....
by Hyperborea
Thu Apr 19, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 967

Re: Pls recommend a cell phone for secondary use

Port the phone number to Google Voice and you may not need a second phone. Have GV set to ring your existing phone number and/or you can answer the phone calls from your computer. If you really want a second phone then get a Moto X4 (for $249) and use Google Fi. It will cost you a flat $20 per month...
by Hyperborea
Thu Apr 19, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help to FIRE in Thailand
Replies: 28
Views: 3415

Re: Need Help to FIRE in Thailand

As soon as you elect to file US tax as Married - Filing Jointly, your spouse needs a US ITIN (tax ID number) and every account that they have must be reported on your tax. This election is irrevocable. It doesn't appear to irrevocable. You can elect to file as married filing separately. https://www...
by Hyperborea
Thu Apr 19, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 2553

Re: Is an 80/20 Asset Allocation Appropriate?

I'm late 30's and I'm 60/40. So, that's an interesting data point. What does that mean for the OP and how can she use that to help her own decision? If you find my AA interesting, perhaps the OP will as well and it will help him/her make a decision. I'll answer your question with a question. How do...
by Hyperborea
Thu Apr 19, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Please help with fund reallocation to include international index fund without tax implication
Replies: 2
Views: 230

Re: Please help with fund reallocation to include international index fund without tax implication

Easiest option would be to rollover your old 401k into an IRA at Vanguard or some other low cost provider and pick whichever international fund that you want.
by Hyperborea
Sun Apr 15, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4170

Re: Is it necessary to replace brake fluid on a car every 3 years?

I like to use ATE super blue fluid when I can find it. ATE 500, often called ATE Super Gold is the corollary. The same top-notch brake fluid as ATE Super Blue, without the horrific dye that stains everything. On my European cars, I alternate between Blue and Gold to ensure I get a full flush (as yo...
by Hyperborea
Sun Apr 15, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4170

Re: Is it necessary to replace brake fluid on a car every 3 years?

I use racing brake fluid in my cars, which has elevated boiling point. For street use I extend my brake flush interval. When I used to track my car, I did a brake flush at least annually, because when I needed to stop, I really needed to stop. Most (all?) racing brake fluid is DOT4 instead of the u...
by Hyperborea
Sat Apr 14, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 192
Views: 13524

Re: BH travel tips?

If you’re going to use an ATM to get cash in the country’s currency be sure your spouse has an ATM card too, preferably in his/her own name. A bank ATM in Greece ate my card on a holiday which would have left us with very limited funds. We found another ATM and used my wife’s card with no problem. ...
by Hyperborea
Sat Apr 14, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 192
Views: 13524

Re: BH travel tips?

If youre travelling to europe and a country you are unfamiliar with - eg dont know language etc get Rick Steves. Probably the best travel advice book. I like Rick Steves and his books but they only go so far and cover only certain locations in a country and with some predetermined routes. I like to...
by Hyperborea
Sat Apr 14, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 2553

Re: Is an 80/20 Asset Allocation Appropriate?

At ages 57 and 54, it seems that an 80% Stock/20% Bond is too aggressive, even if you don't plan to touch the money for ten years. I am age 58 and am invested 66% stocks and 34% bonds and cash, I feel like I am invested a bit aggressively for someone my age. Let's look at the Vanguard 2025 fund and...
by Hyperborea
Sat Apr 14, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 2553

Re: Is an 80/20 Asset Allocation Appropriate?

At ages 57 and 54, it seems that an 80% Stock/20% Bond is too aggressive, even if you don't plan to touch the money for ten years. I am age 58 and am invested 66% stocks and 34% bonds and cash, I feel like I am invested a bit aggressively for someone my age. Let's look at the Vanguard 2025 fund and...