Search found 37 matches

by Didymograptus
Sat Aug 18, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for best exchange rates dollars to pound
Replies: 5
Views: 364

Re: Looking for best exchange rates dollars to pound

I think it took about a week to set up the account and I think they required a photocopy of my ID (passport) to prove I wasn't a money launderer. If the account isn't used after 15-18 months they may suspend the account. To send the money it's a relatively easy two step affair, first you book when y...
by Didymograptus
Sat Aug 18, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for best exchange rates dollars to pound
Replies: 5
Views: 364

Re: Looking for best exchange rates dollars to pound

I send money across the pond for my daughter's education expenses. I typically use Worldfirst, which seems to give me a good exchange rate. I think it has a minimum of $1000. For smaller amounts I use Xoom.
by Didymograptus
Mon Aug 13, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Currency hedging retirement savings in IRA
Replies: 3
Views: 385

Re: Currency hedging retirement savings in IRA

Valuethinker, thanks for your response. I agree with you regarding Gilts, and having just called Interactive Brokers they inform me that I can buy the Vanguard Gilts etf through them which would be one solution. Also IB don't have a fit when customers move abroad. I can't act on any of this until Ap...
by Didymograptus
Sat Aug 11, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Currency hedging retirement savings in IRA
Replies: 3
Views: 385

Currency hedging retirement savings in IRA

Next year, when I'm 59 1/2, I'm able to make an in-service distribution from my megacorp's 401k and will likely move about $500k to a Schwab roll-over IRA. When I retire a few years later (probably 2022) I'll move to the UK from Texas and live on that money until some UK pensions and Social Security...
by Didymograptus
Thu Jul 12, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 1121

Re: Amex in Europe

I use Amex when traveling in Europe for their Car Rental Loss and Damage Insurance. Most car rental places will accept it.
by Didymograptus
Tue Jul 10, 2018 5:36 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3602

Re: Any kayakers here?

friar1610 wrote:
Mon Jul 09, 2018 11:04 am
A warning to couples who may be considering purchasing a tandem (2 person) kayak: be sure your marriage/relationship is very strong before you do so. If there's any doubt, spring for two 1-person kayaks. :wink:
Same can be said of tandem bicycles. Divorce lawyers recommend them I hear.
by Didymograptus
Thu Jul 05, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 29
Views: 4259

Re: Relocating to Berlin upon retiring. Please critique my plan.

With regard to learning German you may want to have a look at Duolingo. It's free and my wife is using it to learn German and French. She spends 15 minutes a day on each language and is enjoying it.
by Didymograptus
Wed Jun 20, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8827

Re: gray hair

I'm 58 and have been going grey all through my fifties - about 50% grey now.

I really don't care much about it - and anyway my wife says it makes me look extinguished!
by Didymograptus
Sun May 06, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24992

Re: most compelling TV character ever

John Thaw - Inspector Morse
Jeremy Brett - Sherlock Holmes
by Didymograptus
Mon Feb 12, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3683
Views: 1055271

Re: What Movie Have You Recently Watched?

Seen on a plane from Copenhagen to Chicago, Victoria and Abdul.

Good film about the elderly Queen Victoria and her platonic but close relationship with an Indian servant. Starring Judi Dench. 7/10 - worth a watch.
by Didymograptus
Sun Feb 11, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1986

Re: Driving a rental car in Western Europe

I have rented cars in the UK quite frequently. I use the American Express auto insurance feature as mentioned by Watty. It saves me a bundle. I usually prearrange the car on the Amex website and get a good price. I have found that when I pick up the car the person at the rental place almost always t...
by Didymograptus
Sun Feb 11, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 14
Views: 1266

Re: officiate a marriage

I think you'll need to check on the State law. I used to be a Humanist Minister and officiated at secular wedding ceremonies here in Texas. It was a joy meeting with the happy couple and tailoring the wedding to their desires. I noted at the time (2005-2010) that I could legally officiate in all sta...
by Didymograptus
Sat Feb 03, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6840
Views: 1492885

Re: U.S. stocks in freefall


It actually only dropped 665.75. Stop exaggerating.
666 is the integer of the beast!
by Didymograptus
Thu Jan 25, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Question to Taylor and others regarding bucket approach in retirement
Replies: 54
Views: 4286

Re: Question to Taylor and others regarding bucket approach in retirement

I find buckets unnecessarily confusing. Simple rebalancing a mixed portfolio should work IMHO. Michael Kitces makes the point - "once a portfolio is going to be rebalanced every year, the impact of decision rules is made null and void and the buckets are essentially just an asset allocation mirage".
by Didymograptus
Thu Jan 04, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 7362

Re: Do you eventually get accustomed to your higher balances?

Several years ago I took my retirement balance figure and projected it using a modest growth guesstimate through to 2022 when hopefully I'll retire. So I know at any point in the future what my anticipated balance was projected to be. At this time (Jan 2018) I had anticipated my retirement balance t...
by Didymograptus
Thu Jan 04, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 160
Views: 16803

Re: 2018 Hedge Fund contest

Name: Privet Hedge Fund Long: Tronc Inc (TRNC) Chesapeake Energy Corp (CHK) Kraton Perf Polymers (KRA) Short: Abercrombie & Fitch (ANF) Papa Johns Intl (PZZA) Tootsie Roll Industries (TR) The information provided is for informational purposes only. It should not be considered legal or financial advi...
by Didymograptus
Sun Dec 31, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 5225

Re: Target Net Worth

Probably about £1,000,000 (say $1,500,000) in 401k and some company stock. With a small UK pension from mega-corp, US Social Security, UK state pension (v conservative estimates due to WEP) and a house to be paid for with cash after selling US home, I think we can live on a fairly modest income. One...
by Didymograptus
Sat Dec 30, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 64
Views: 12305

Re: Your Top 10 Books

In no particular order here are today's top 10: The Age of Reason - Thomas Paine The Demon-Haunted World - Carl Sagan The Age of the Earth - G. Brent Dalrymple All in the Mind - Ludovic Kennedy Resurrection - Leo Tolstoy Aunts Aren't Gentlemen - P G Wodehouse Voyage of the Beagle - Charles Darwin On...
by Didymograptus
Wed Dec 27, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: What computer should I get?
Replies: 36
Views: 3818

Re: What computer should I get?

Early December I was looking for a laptop to do much the same thing, Excel, Word, Internet and Band in a Box. And I didn't want to pay a fortune for it. So I bought Acer Aspire E 15 E5-575-33BM 15.6-Inch FHD Notebook (Intel Core i3-7100U 7th Generation , 4GB DDR4, 1TB 5400RPM HD, Intel HD Graphics 6...
by Didymograptus
Mon Dec 25, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 4432

Re: Do you have trouble standing firm on your asset allocation?

I used to agonize over my asset allocation.... should it be 60/40, maybe 50/50 etc? Since I cannot determine the future, one of my many failings, and to stop me tinkering I have put my retirement savings in three groups, 60/40, 55/45 and 50/50. These groups are my main 401k, my brokerage account wit...
by Didymograptus
Sun Dec 17, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 13301

Re: Best 401k Employer Match Structure

The company I work for has just over 20,000 full-time employees worldwide - maybe 1000 in the USA. Its 401k is with T.Rowe Price and it has 100% match up to 6% of earnings. Vesting schedule is: < 1 year 20% 1 Year 40% 2 Years 60% 3 Years 80% 4 Years 100% It also has a Money Purchase Plan equal to 10...
by Didymograptus
Sat Dec 16, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12817

Re: 2018 financial goals - what are yours?

Goal is to hit the $1MM mark in my retirement accounts. :happy
by Didymograptus
Tue Dec 12, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 31
Views: 2960

Re: Purchasing Airline Tickets

Have a look at Norwegian Air. I had a quick look and a round-trip from JFK to London Gatwick is around $433 including taxes. My flight to Oklahoma City from Austin later today is way more expensive. :shock:
by Didymograptus
Thu Dec 07, 2017 8:02 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1397

Re: National Pearl Harbor Remembrance Day

Thank you for posting this Taylor.

We must never forget, nor shall we.
by Didymograptus
Tue Dec 05, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: working in the oil fields as a mechanic.
Replies: 21
Views: 2472

Re: working in the oil fields as a mechanic.

I have worked in the oil patch since 1982 and it can be demanding. The client will want something done and the service company must move heaven and earth to get it done. Being at a low rung of a service company can suck with time away from home, working long hours etc. Relationships get strained and...
by Didymograptus
Wed Nov 29, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 12328

Re: What are the things you want to do between 55 and 65?

Practice my bass guitar, retire to England, join band and go gigging.
by Didymograptus
Sun Nov 26, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Help my kids pick a charitable cause
Replies: 19
Views: 1039

Re: Help my kids pick a charitable cause

Do they have a Food Bank near you that takes donations and accepts volunteer efforts? I was thinking your children would get an idea of the impact they were making ($1000 is about 5 carts of food, I guess) and if they volunteered they would get a sense of community too. Here in Austin we have the Ce...
by Didymograptus
Thu Nov 23, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1433

Re: Any tips on gifts for employees?

Food items might be a challenge due to people's dietary restrictions etc.

Why not get the Bogleheads book on investing?
by Didymograptus
Thu Nov 23, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3683
Views: 1055271

Re: What Movie Have You Recently Watched?

Father Brown , on Netflix. This is a BBC series of almost movie length 40 minute shows based on a G. K. Chesterton character, a Catholic Priest in a small English village who has a knack for investigating murders, kidnappings, art thefts, etc. We are no yet done, but the series is great so far. The...
by Didymograptus
Thu Nov 23, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 25
Views: 1541

Re: Slanting International geographically or regionally

As someone who will be retiring to the UK in the next 2-5 years I have felt the need to have a more internationally diversified stock portfolio than others and not have a too high US focus. So I'm ensuring that 35-50% of my stock funds are international (VTIAX or SWISX). It is said that when America...
by Didymograptus
Tue Nov 21, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 207
Views: 34716

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

The book is on Amazon available for pre-order.
https://www.amazon.com/s/ref=nb_sb_ss_i ... 27ZJG381XJ
Thanks Bob. Just ordered mine.
by Didymograptus
Thu Nov 16, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab charging $76 for VG funds
Replies: 31
Views: 4537

Re: Schwab charging $76 for VG funds

I have a Schwab Tradelink account as part of my employer's T. Rowe Price 401k plan. Within that account I was tempted to get some Vanguard Mutual Funds but went for the no transaction fee Schwab funds as follows: Schwab International Index SWISX - ER 0.06% Schwab Total Stock Market Index - SWTSX ER ...
by Didymograptus
Tue Nov 14, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 4458

Re: What's your weighted average expense ratio?

0.058%

Lowest ER is SWTSX at 0.03%, highest is VTIAX at 0.11% in my 401k.
by Didymograptus
Sun Nov 12, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 5409

Re: How do you project the amount of income you will have in retirement?

I have found the app RetirePlan quite useful. I have it on my iPad. I don't use it to project retirement income - indeed I decide what income I want in retirement and it'll work out if it's at all possible. I can test a whole host of scenarios - such as 3.5% investment growth from age 58 to age 62 a...
by Didymograptus
Sun Nov 12, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How to make the most of remitting a large sum in foreign currency?
Replies: 5
Views: 584

Re: How to make the most of remitting a large sum in foreign currency?

I send money to the UK on a regular basis.
I use Xoom for small amounts and WorldFirst for amounts over $10k.
WorldFirst is currently $1:INR65.192 and the $10 transaction fee is waived if over $10k is sent.

I don't think either have a rewards program per se.
by Didymograptus
Thu Nov 09, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 35
Views: 3358

Re: Best option for large foreign currency transfer

I have used both XOOM and WorldFirst for sending money from the US to the UK over the last ten years or so. Typically anything over $10k I use WorldFirst and have been quite pleased with their service. Over the next few years I plan to send large amounts to the UK in order to buy a house and will pr...