Search found 64 matches

by Didymograptus
Wed May 20, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13357

Re: Coronavirus Flight Cancel Thread

Norwegian Air flight cancelled We requested refund a month ago and are still waiting. I’m not holding my breath. Me too. Flight was cancelled by Norwegian on 7th April and I requested a refund at that time. Flight was Austin to London in early May. Will post here if anything happens. Looks like Nor...
by Didymograptus
Wed Apr 29, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13357

Re: Coronavirus Flight Cancel Thread

Admiral Fun wrote:
Sat Apr 25, 2020 5:30 pm
Norwegian Air flight cancelled

We requested refund a month ago and are still waiting.

I’m not holding my breath.
Me too. Flight was cancelled by Norwegian on 7th April and I requested a refund at that time. Flight was Austin to London in early May.

Will post here if anything happens.
by Didymograptus
Wed Apr 15, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 59
Views: 4138

Re: Best Way to Watch British Mystery Shows

pshonore wrote:
Wed Apr 15, 2020 11:22 am
Happy Valley is a great mystery series set in Yorkshire. Mosley, (the Downton Abby butler a/k/a Kevin Butler) is in it and plays almost the exact opposite character
+1 That's also a great show - really well acted.
by Didymograptus
Wed Apr 15, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 59
Views: 4138

Re: Best Way to Watch British Mystery Shows

I can recommend A Touch of Frost, Blue Murder and the 4 Sherlock Holmes series starring Jeremy Brett. Brett is just brilliant as Holmes.
by Didymograptus
Wed Apr 15, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: Life Strategy VS Target Date funds
Replies: 12
Views: 1093

Re: Life Strategy VS Target Date funds

Target date funds become more conservative (more bonds) the closer you get to retirement. Lifestrategy funds maintain their stock/bond ratios, 80/20, 60/40 etc.
by Didymograptus
Wed Apr 08, 2020 9:16 am
Forum: Personal Investments
Topic: Wellington vs. 3 fund
Replies: 17
Views: 2428

Re: Wellington vs. 3 fund

KEotSK66 wrote:
Tue Apr 07, 2020 7:41 am
successful investing demands benign neglect
Great turn of phrase.
by Didymograptus
Mon Apr 06, 2020 4:24 pm
Forum: Personal Investments
Topic: Tips on how to stop checking finances too often?
Replies: 29
Views: 1388

Re: Tips on how to stop checking finances too often?

I too used to check my 401k etc on a daily basis - sometimes hourly. Problem was that some funds were going up and others going down and I was worrying needlessly about the downward moving funds. Then I bought balanced funds such as Vanguard Lifestrategy Moderate (VSMGX) and Vanguard Wellesley (VWIN...
by Didymograptus
Mon Jan 27, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 4868

Re: Global Entry [wait time for interview]

My application for GE was submitted in May 2019 - and had the interview last week.

Interview was 5 minutes - was my address current, did I still work for megacorp etc.
by Didymograptus
Wed Jan 22, 2020 7:20 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 217
Views: 15456

Re: 2020 Hedge Fund contest

Thank you for your diligence here. Let's go with OXY instead of APC. Privet Hedge Fund Long: CHK, APC, HES Short: NKTR, ORGO, RST I belated realized that Anadarko Petroleum (APC) was acquired last year by Occidental (OXY) and as such one of your long picks no longer existed as of the start of the co...
by Didymograptus
Sat Jan 11, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 217
Views: 15456

Re: 2020 Hedge Fund contest

Privet Hedge Fund

Long: CHK, APC, HES
Short: NKTR, ORGO, RST
by Didymograptus
Thu Jan 09, 2020 7:47 am
Forum: Investing - Theory, News & General
Topic: World Bond funds (hedged vs. unhedged)
Replies: 13
Views: 987

Re: World Bond funds (hedged vs. unhedged)

Having unhedged World Bond funds in any backtest tool may be useful for those retiring abroad and who don't want their fixed income tied somewhat to the strength (or otherwise) of the US dollar. Of course World Bond funds come in many flavors so whatever is used for backtesting may not completely mi...
by Didymograptus
Sat Dec 28, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mini-Milestone
Replies: 20
Views: 1886

Re: Mini-Milestone

Well done bearwithme.
It's very appropriate to celebrate these milestones. It gives one a justifiable sense of accomplishment.
Before you know it you'll be checking off $300k and then third of a million etc....
by Didymograptus
Sat Dec 21, 2019 8:55 am
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 18718

Re: Favorite country to live in after FIRE?

Scotland may be our retirement destination. Decent public services, great scenery and coastal walks and housing isn't expensive for the most part. Can you get Right to Remain? NHS is falling to pieces. People dying on gurneys in corridors outside emergency. Scotland might separate and rejoin EU. Bu...
by Didymograptus
Fri Dec 20, 2019 9:33 am
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 18718

Re: Favorite country to live in after FIRE?

Scotland may be our retirement destination. Decent public services, great scenery and coastal walks and housing isn't expensive for the most part.
by Didymograptus
Tue Dec 03, 2019 10:15 am
Forum: Personal Investments
Topic: Retiring abroad in 2021 - investment advice sought
Replies: 7
Views: 872

Re: Retiring abroad in 2021 - investment advice sought

Admiral, thank you very much for your thoughts. By my reckoning I'll need just over 5 years to support my wife and I from the IRA so $75k IRA withdrawal * 5.3 years = $400k Subtracting that from IRA will give me about $750k (I added the $50k 2020 contribution)- so $15k would be 2%. Still a pretty lo...
by Didymograptus
Tue Dec 03, 2019 8:34 am
Forum: Personal Investments
Topic: Retiring abroad in 2021 - investment advice sought
Replies: 7
Views: 872

Re: Retiring abroad in 2021 - investment advice sought

def6732, thanks for your comments. My workplace retirement funds are at T. Rowe, whereas my IRA is at Schwab, and as you mention Schwab take a more kindly view towards US citizens abroad. I haven't seen much in the way of funds hedged to the pound at Schwab which is why I have spread the risk across...
by Didymograptus
Mon Dec 02, 2019 1:20 pm
Forum: Personal Investments
Topic: Retiring abroad in 2021 - investment advice sought
Replies: 7
Views: 872

Retiring abroad in 2021 - investment advice sought

Hello Bogleheads, I'm looking for advice regarding where you'd allocate your investments in my position. Wife and I turned 60 a few months ago and I work for an international company in Texas but am on the local payroll. I plan on retiring in April 2021 - I'll be 61 1/2. Wife retired a few years ago...
by Didymograptus
Fri Nov 29, 2019 8:12 am
Forum: Personal Investments
Topic: Getting international exposure with limited 401K options
Replies: 4
Views: 319

Re: Getting international exposure with limited 401K options

VTMGX is Vanguard Developed Markets Index Fund, isn't it?

Expense ratio is 0.07% - nice and low. If emerging markets are not a necessity in your portfolio I'd add that - 30% would not be a bad thing.
by Didymograptus
Sun Nov 24, 2019 9:10 am
Forum: Personal Investments
Topic: Retirement planning book
Replies: 12
Views: 898

Re: Retirement planning book

How to Make Your Money Last: The Indispensable Retirement Guide by Jane Bryant Quinn is a pretty good retirement guide. Deals with planning but also useful for those in retirement. However if you've been a Boglehead for a while you'll know 99% of what's in the book. But it's good to have a easily r...
by Didymograptus
Sat Jun 01, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11506

Re: How did you all do in the month of May, 2019

Down 0.42%. Very diversified so May was not too bad.
by Didymograptus
Sun May 26, 2019 7:28 pm
Forum: Non-US Investing
Topic: Annuities [SPIA] for Americans abroad [UK]
Replies: 3
Views: 523

Annuities [SPIA] for Americans abroad [UK]

I hope to move to the UK in 2021 or so. My plan is to buy an annuity with some of my IRA at age 70, 75 and 80 which will be 10, 15 and 20 years from now. In a recent discussion with Schwab I was told their annuities are only available for US residents. Does anyone know who would provide annuities (S...
by Didymograptus
Mon May 13, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3481

Re: Best month to visit London?

I would go second week of September (8th to 14th). Schoolchildren are back at school, weather can still be good, it's the last week of the Proms at the Royal Albert Hall.
by Didymograptus
Tue May 07, 2019 12:57 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 15019

Re: I tried to fire my financial advisor of 12 years today...

just1question wrote:
Tue May 07, 2019 6:37 am
Let me tell you something from personal experience: A FA is not your buddy, pal, or friend. In most cases, once you fire a financial advisor, you are essentially dead to him. That's not friendship. You will get over it quickly.
And HE will get over it even more quickly.
by Didymograptus
Wed Apr 10, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Seeking ideas for name of Project
Replies: 27
Views: 939

Re: Seeking ideas for name of Project

Project Renaissance - or Renée for short.
by Didymograptus
Fri Mar 15, 2019 2:23 pm
Forum: Personal Investments
Topic: Basic retirement withdrawal plan question
Replies: 20
Views: 2591

Re: Basic retirement withdrawal plan question

Michael Kitces addressed withdrawals and rebalancing here.

According to him there's no need to worry too much about which funds are used for the withdrawals as rebalancing will set everything straight anyway.
by Didymograptus
Tue Feb 26, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: Questions for Mike Piper - Next "Bogleheads on Investing" guest
Replies: 22
Views: 2832

Re: Questions for Mike Piper - Next "Bogleheads on Investing" guest

WEP question for Mike Piper I worked for 20 years in the UK and made mandatory National Insurance contributions (NICs) that fed by UK State Pension. Then in 2001 moved to the USA and have made voluntary NICs to the UK State Pension - with my US salary net of tax, social security payments etc. So, if...
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: 446

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: 446

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: Personal Investments
Topic: Currency hedging retirement savings in IRA
Replies: 3
Views: 477

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: Personal Investments
Topic: Currency hedging retirement savings in IRA
Replies: 3
Views: 477

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: 1259

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: 4317

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: 4621

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: 10573

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: 28798

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: 5465
Views: 1351788

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: 2522

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: 1498

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 free fall
Replies: 18853
Views: 2636025

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: 5202

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: Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 7796

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: 176
Views: 22916

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
Wed Jan 03, 2018 3:43 pm
Forum: Personal Investments
Topic: What strategy do you use to reduce sequence of returns risk in retirement?
Replies: 117
Views: 10417

Re: What strategy do you use to reduce sequence of returns risk in retirement?

This approach from Michael Kitces seems reasonably simple and appealing.
by Didymograptus
Sun Dec 31, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 5850

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: 14994

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: 4097

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: Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 4929

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: 15821

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: 14213

Re: 2018 financial goals - what are yours?

Goal is to hit the $1MM mark in my retirement accounts. :happy