Search found 253 matches

by catalina355
Fri Sep 20, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 55
Views: 3193

Re: Dental Insurance for Retirees

I wanted to clarify that the OP was referring to Medicare Health plans and not original Medicare which does not provide dental coverage. I'm familiar with Medigap plans and Medicare Advantage plans. What is a "Medicare Health Plan?" Medicare Health Plan is the CMS term for plans offered by private ...
by catalina355
Fri Sep 20, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 55
Views: 3193

Re: Dental Insurance for Retirees

This is my first year of retirement. I've used my two free Medicare cleanings I'm entitled to, and now need to choose some sort of plan. Any suggestions? I've been looking at dental insurance and then the flat rate, discounted plans. What has worked best for you? I'm in NYC and my regular dentist o...
by catalina355
Fri Sep 20, 2019 4:24 pm
Forum: Personal Investments
Topic: Withdrawal Approach
Replies: 29
Views: 2193

Re: Withdrawal Approach

I pretty much follow the same scheme as @livesoft with the further advantage of having some non-portfolio income. On average cash as it comes and goes stays at a level of about 2% of assets. I don't work at making it less or at making it more. I take RMDs at the end of the year so tax withholding c...
by catalina355
Fri Sep 20, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 55
Views: 3193

Re: Dental Insurance for Retirees

This is my first year of retirement. I've used my two free Medicare cleanings I'm entitled to, and now need to choose some sort of plan. Any suggestions? I've been looking at dental insurance and then the flat rate, discounted plans. What has worked best for you? I'm in NYC and my regular dentist o...
by catalina355
Tue Sep 17, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: Is the 60/40 portfolio allocation strategy being killed?
Replies: 116
Views: 9952

Re: Is the 60/40 portfolio allocation strategy being killed?

Asness has alluded to something along the lines of a traditional 60/40 strategy likely running into trouble in the future. Not "killed", but certainly hobbled. Stocks sometimes get high valuations. Bonds sometimes get high valuations. Seldom do they happen together (I think he said the current cond...
by catalina355
Tue Sep 17, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: Is the 60/40 portfolio allocation strategy being killed?
Replies: 116
Views: 9952

Re: Is the 60/40 portfolio allocation strategy being killed?

Asness has alluded to something along the lines of a traditional 60/40 strategy likely running into trouble in the future. Not "killed", but certainly hobbled. Stocks sometimes get high valuations. Bonds sometimes get high valuations. Seldom do they happen together (I think he said the current cond...
by catalina355
Mon Sep 16, 2019 9:53 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 31
Views: 2179

Re: Avoiding fluctuations in BND (total bond) when withdrawing

Though I rebalanced once a year pre-retirement, it seems silly to take out a years worth of expenses to keep doing that. I try to take out money from investments quarterly and do so according to my desired AA. In the end, it probably makes little difference because if you are taking out roughly 4% ...
by catalina355
Mon Sep 16, 2019 9:39 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 31
Views: 2179

Re: Avoiding fluctuations in BND (total bond) when withdrawing

My mental model is this: - Your fixed income portfolio takes, as a whole, a certain amount of term factor exposure, which is usually quantified with the single number "duration". - Since your portfolio is made up of fully liquid assets which you aim to rebalance to AA on a regular basis, withdrawal...
by catalina355
Mon Sep 16, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 31
Views: 2179

Re: Avoiding fluctuations in BND (total bond) when withdrawing

My mental model is this: - Your fixed income portfolio takes, as a whole, a certain amount of term factor exposure, which is usually quantified with the single number "duration". - Since your portfolio is made up of fully liquid assets which you aim to rebalance to AA on a regular basis, withdrawal...
by catalina355
Mon Sep 16, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 31
Views: 2179

Re: Avoiding fluctuations in BND (total bond) when withdrawing

The only thing the buckets strategy does is have you sell investments earlier than you would without it. With an adequate portfolio and a long-ish time horizon it can be expected to reduce your return. It doesn't help with sequence-of-returns any better than simply reducing your stock allocation to...
by catalina355
Mon Sep 16, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 31
Views: 2179

Re: Avoiding fluctuations in BND (total bond) when withdrawing

My mental model is this: - Your fixed income portfolio takes, as a whole, a certain amount of term factor exposure, which is usually quantified with the single number "duration". - Since your portfolio is made up of fully liquid assets which you aim to rebalance to AA on a regular basis, withdrawal...
by catalina355
Fri Sep 13, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 31
Views: 2179

Re: Avoiding fluctuations in BND (total bond) when withdrawing

The only thing the buckets strategy does is have you sell investments earlier than you would without it. With an adequate portfolio and a long-ish time horizon it can be expected to reduce your return. It doesn't help with sequence-of-returns any better than simply reducing your stock allocation to...
by catalina355
Fri Sep 13, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 31
Views: 2179

Re: Avoiding fluctuations in BND (total bond) when withdrawing

Isn’t the yield of Prime MM higher than short bond and about the same as short corporate? How much are you really giving up by having an extra $10k-$20k in a mm? So, I looked further into this. I am at TDA (transferred from Vanguard in the last year or so). The default cash sweep pays virtually not...
by catalina355
Fri Sep 13, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 43
Views: 2540

Re: Laptop for aging parents

Do you need a laptop? Old people like big screens, good ergonomics and special keyboards, and it's not like they are the type to bring a laptop to a cafe or something. All these favor desktop all in one computers over laptops, especially if you have a budget. How do you know his parents don’t hang ...
by catalina355
Wed Sep 11, 2019 3:03 pm
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 4871

Re: Hold Physical Cash if Rates Go Negative?

OP, If you are diversified, aka, always holding some amount of cash and gold, why do you need to care and worry about what happened next? 1) Cash 2) Gold 3) Fixed-rate mortgage 4) Stock 5) Bond Diversified and be prepared. Then, it won't matter what happened next. KlangFool But which bonds? ST and ...
by catalina355
Wed Sep 11, 2019 2:16 pm
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 4871

Re: Hold Physical Cash if Rates Go Negative?

OP, If you are diversified, aka, always holding some amount of cash and gold, why do you need to care and worry about what happened next? 1) Cash 2) Gold 3) Fixed-rate mortgage 4) Stock 5) Bond Diversified and be prepared. Then, it won't matter what happened next. KlangFool But which bonds? ST and ...
by catalina355
Fri Sep 06, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: Mortgage Sequence of Returns Risk Example.
Replies: 53
Views: 2864

Re: Mortgage Sequence of Returns Risk Example.

If anyone can see a way to improve my example, focusing on the first year or two, I would sure like to hear any suggestions. Then, instead of putting the $100k into an equity account, put it into a ST bond fund (duration of ~2 years). That way your time frames are consistent; otherwise, you are com...
by catalina355
Wed Aug 28, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Swensen Endowment Portfolio Book
Replies: 17
Views: 1083

Re: Swensen Endowment Portfolio Book

Listened to David Swensen's Portfolio for Endowments book. Interesting in that: 1. He asserted 20% investment in total market outside US provides a currency hedge against the US dollar. Further, he said any more than 20% actually increases currency risk. I'll take on faith that what he says about i...
by catalina355
Wed Aug 28, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Swensen Endowment Portfolio Book
Replies: 17
Views: 1083

Re: Swensen Endowment Portfolio Book

Listened to David Swensen's Portfolio for Endowments book. Interesting in that: 1. He asserted 20% investment in total market outside US provides a currency hedge against the US dollar. Further, he said any more than 20% actually increases currency risk. I'll take on faith that what he says about i...
by catalina355
Sat Aug 24, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: "The Best Diversifiers For Your Equity Portfolio"
Replies: 126
Views: 10507

Re: "The Best Diversifiers For Your Equity Portfolio"

I'm not trying to make any kind of distinction between diversification and variance but just asking about the the price of long T's going up significantly more than Intermediate T's during a stock market crash. Okay. This thing you just said ("the price of long T's going up significantly more than ...
by catalina355
Fri Aug 23, 2019 7:19 am
Forum: Investing - Theory, News & General
Topic: "The Best Diversifiers For Your Equity Portfolio"
Replies: 126
Views: 10507

Re: "The Best Diversifiers For Your Equity Portfolio"

Thank you once again, Taylor. It's old advice , and still relevant. Sometimes we trip ourselves up trying to find the "best" thing to solve a perceived need, instead of choosing simplicity. From the article: "What surprised me in this latest data run , Susan, was that we didn't have to venture into...
by catalina355
Thu Aug 22, 2019 11:46 am
Forum: Personal Investments
Topic: Anyone else more aggressive in retirement than required?
Replies: 52
Views: 4214

Re: Anyone else more aggressive in retirement than required?

I feel there is some general misconception around anyway: Trinity study and the efficiency frontier suggests that an asset allocation of 80/20 stocks to bonds is the most 'efficient' investment over a long period of time (you can argue with me about the exact number here). So that number makes the ...
by catalina355
Thu Aug 22, 2019 9:11 am
Forum: Personal Investments
Topic: Anyone else more aggressive in retirement than required?
Replies: 52
Views: 4214

Re: Anyone else more aggressive in retirement than required?

I feel there is some general misconception around anyway: Trinity study and the efficiency frontier suggests that an asset allocation of 80/20 stocks to bonds is the most 'efficient' investment over a long period of time (you can argue with me about the exact number here). So that number makes the ...
by catalina355
Wed Aug 21, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is window for buying supplemental Medicare insurance? Friend may have cancer.
Replies: 9
Views: 690

Re: What is window for buying supplemental Medicare insurance? Friend may have cancer.

I think she turned 65 and started Medicare last October, so it looks like she had a once in a lifetime chance to purchase insurance without medical screening and that window closed in April. I was afraid of that. Some states have different rules for open enrolment, be sure to look to see if the sta...
by catalina355
Mon Aug 19, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 6944

Re: Moving from Bay area, CA to Knoxville, TN

Starfish wrote:
Mon Aug 19, 2019 12:25 pm
I know is speculative but in the past if you moved out of CA is really hard to come back. The main loss might be the real estate appreciation.
Renting out the house is also risky due to hostile anti-landlord environment.
Why is renting out the house risky?
by catalina355
Mon Aug 19, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10535

Re: Aliens have captured my husband [wants to buy a Porsche]

I would worry that a late in life change of a frugal nature may be an early sign of cognitive decline. Perhaps helped along by having become accustomed to lavish travel. This can be a serious issue. Cognitive decline happens to the great majority of people who live long enough and 74 is hardly earl...
by catalina355
Sun Aug 18, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7502

Re: Use Vanguard MM Prime for cash rather than local bank?

I’ve found vanguard to be a nightmare to deal with as a bank. Great funds. Terrible customer service. I switched to Fidelity. A bit less on the MM but worth it for all the hassles of VG. +1 Schwab or Fidelity work best for this. I recently migrated Vanguard to Schwab. The purchased money market fun...
by catalina355
Sun Aug 18, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10535

Re: Aliens have captured my husband [wants to buy a Porsche]

You might encourage more car shopping. Much better to finish shopping before you buy. What are your plans? Perhaps a 4Runner Limited AWD would make a road trip more enjoyable. It's about half the price of the Porsche, and might also be a good vehicle to pass down when you're ready for the autonomou...
by catalina355
Sun Aug 18, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10535

Re: Aliens have captured my husband [wants to buy a Porsche]

I would worry that a late in life change of a frugal nature may be an early sign of cognitive decline. Perhaps helped along by having become accustomed to lavish travel. This can be a serious issue. Cognitive decline happens to the great majority of people who live long enough and 74 is hardly earl...
by catalina355
Sat Aug 17, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7502

Re: Use Vanguard MM Prime for cash rather than local bank?

I’ve found vanguard to be a nightmare to deal with as a bank. Great funds. Terrible customer service. I switched to Fidelity. A bit less on the MM but worth it for all the hassles of VG. +1 Schwab or Fidelity work best for this. I recently migrated Vanguard to Schwab. The purchased money market fun...
by catalina355
Sat Aug 17, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3125

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

Probably because it is one of the poorest countries in Western Europe. https://en.wikipedia.org/wiki/List_of_sovereign_states_in_Europe_by_GDP_(nominal)_per_capita GDP per capita is not the same as cost of living. In your opinion, why is Lisbon so much cheaper? Higher unemployment, more of an agric...
by catalina355
Fri Aug 16, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3473

Re: 10 Year Cost of Owning My CR-V

Are you sure that Honda requires 4 transmission fluid changes? The dealer might suggest it but that is another story. I found that unusual too. The AWD is sensitive to fluid changes because it’s a hydraulic AWD system. So the 4 changes seems excessive in a FWD. Very much so. Likely to cause damage ...
by catalina355
Fri Aug 16, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3125

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

Watty wrote:
Fri Aug 16, 2019 4:43 pm
Probably because it is one of the poorest countries in Western Europe.

https://en.wikipedia.org/wiki/List_of_s ... per_capita
GDP per capita is not the same as cost of living.
by catalina355
Fri Aug 16, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3125

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

wubdemil wrote:
Fri Aug 16, 2019 4:16 pm
Is it an unpleasant place to live/visit, again compared to the rest of Western Europe? Or is it because there is not much economic activity going on in that area? If the latter, I suppose it is a nice place to live if you don't need to work or if you can work remotely.
Have you visited Lisbon?
by catalina355
Fri Aug 16, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 4685

Re: How to define "HCOL" (high cost of living) areas?

(I find it interesting that 8 out of the top 20 are in California) It is also interesting that only Boulder Colorado and Anchorage Alaska are not on the coasts. Technically Anchorage is on the coast. I'm more surprised it has a HCOL. Wouldn't have expected that. :oops: Thus the name Anchor - age, b...
by catalina355
Fri Aug 16, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3473

Re: 10 Year Cost of Owning My CR-V

Very cool post, thanks for being so meticulous. In my experience (granted it doesn't include a CR-V) the $6k in maintenance, even including all the items you did, over 10 years seems high. I'm not sure if that's a function of the type of car, the brand, or something else, and I would expect ongoing...
by catalina355
Fri Aug 16, 2019 3:38 pm
Forum: Investing - Theory, News & General
Topic: Any retired person have stocks and cash I was thinking about a 70/30
Replies: 61
Views: 4512

Re: Any retired person have stocks and cash I was thinking about a 70/30

I'm not retired but when I am I think I'll keep 5 years living expense in a stable value fund and the remainder 100% stocks. I used to think this way, then I realized that is 80/20 based on 4% wr. How would i rebalance in a long term down market to stay at 80/20. If the market went down by 1/2 I wo...
by catalina355
Fri Aug 16, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: Any retired person have stocks and cash I was thinking about a 70/30
Replies: 61
Views: 4512

Re: Any retired person have stocks and cash I was thinking about a 70/30

I'm not retired but when I am I think I'll keep 5 years living expense in a stable value fund and the remainder 100% stocks. I used to think this way, then I realized that is 80/20 based on 4% wr. How would i rebalance in a long term down market to stay at 80/20. If the market went down by 1/2 I wo...
by catalina355
Fri Aug 16, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: Any retired person have stocks and cash I was thinking about a 70/30
Replies: 61
Views: 4512

Re: Any retired person have stocks and cash I was thinking about a 70/30

I'm not retired but when I am I think I'll keep 5 years living expense in a stable value fund and the remainder 100% stocks. I used to think this way, then I realized that is 80/20 based on 4% wr. How would i rebalance in a long term down market to stay at 80/20. If the market went down by 1/2 I wo...
by catalina355
Thu Aug 15, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 10453

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

Something stinks about his research though. He was hired by a hedge fund, with an incentive to produce a report that would send GE shares down, because a good part of his compensation for producing that report is tied to the value of his/the fund's short position in GE. Hardly an unbiased way to st...
by catalina355
Thu Aug 15, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Switch AA 10-year to 2-year Treasuries?
Replies: 61
Views: 3979

Re: Switch AA 10-year to 2-year Treasuries?

vineviz wrote: The other half of interest rate risk is “reinvestment risk”, which is the risk that bond payments will be reinvested at a different (lower) rate if yields changed. Interesting that this looks at only one side of reinvestment risk (lower rates). If rates are rising reinvestment of low...
by catalina355
Thu Aug 15, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Things to see in Walla Walla, WA?
Replies: 15
Views: 852

Re: Things to see in Walla Walla, WA?

bengal22 wrote:
Thu Aug 15, 2019 7:28 am
Northern Flicker wrote:
Wed Aug 14, 2019 11:56 pm
There is a massive amount of overpriced wine.
Is there wine that is not overpriced? Where does one go to get properly priced wine? Is it in a box?
Wine is priced by the market just like stocks.
by catalina355
Tue Aug 13, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4421

Re: Vanguard website fail at the propitious moment

Would you say the same thing if Amazon's website behaved like this? With a proper front end design (load balancers etc) there is no reason for the Vanguard website to have ongoing issues. I distinctly remember Amazon being down one day, so they showed a picture of a cute dog saying "Sorry." Maybe i...
by catalina355
Tue Aug 13, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4421

Re: Vanguard website fail at the propitious moment

Umm. It may not be a frontend issue. If VG uses a relational DB then that can easily be a choke point - even more so with network failures and retry logic in the frontend. Yes. Very true. Likely it is a RDB. However, the inability to have people be able to log on is an issue in front of the RDB. I ...
by catalina355
Tue Aug 13, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15716

Re: [Vanguard ongoing glitches, August 12-13, 2019]

Taxable in old mutual funds platform and 2 SEPs in brokerage accounts. I have not experienced any glitches. I didn’t check yesterday until after I read this. All was well. No problems today (logged in just out of curiosity’s sake). But I don’t hold any of the funds mentioned that experienced the pr...
by catalina355
Tue Aug 13, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4421

Re: Vanguard website fail at the propitious moment

Website is an interface to a picture of your data. Has zero to do with your investment, or how they are managed. The more that jump on and try to log in, when there is an issue, the more it won't work. Take a chill pill and try tonight or tomorrow. Or the weekend. Would you say the same thing if Am...
by catalina355
Tue Aug 13, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15716

Re: [Vanguard ongoing glitches, August 12-13, 2019]

We are able to log in and peruse our accounts. But, we are on the old mutual fund platform....you know...the one Vanguard keeps asking to migrate away from and go to the "new and improved platform". Taxable in old mutual funds platform and 2 SEPs in brokerage accounts. I have not experienced any gl...
by catalina355
Tue Aug 13, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4421

Re: Vanguard website fail at the propitious moment

Website is an interface to a picture of your data. Has zero to do with your investment, or how they are managed. The more that jump on and try to log in, when there is an issue, the more it won't work. Take a chill pill and try tonight or tomorrow. Or the weekend. Good idea. Maybe Vanguard should o...
by catalina355
Tue Aug 13, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4421

Re: Vanguard website fail at the propitious moment

aristotelian wrote:
Tue Aug 13, 2019 10:30 am
I can log in and account balances look more or less correct, but holdings are completely blank.
Then you don’t have to worry about Vanguard’s mispricings :D
by catalina355
Tue Aug 13, 2019 2:39 pm
Forum: Personal Investments
Topic: Its it time to light the FIRE -
Replies: 34
Views: 4726

Re: Its it time to light the FIRE -

Oh, if you are moving to Europe, a lot of concerns go away, especially healthcare, insurance and home maintenance. You just have to manage and live with FX risk and higher taxes. All your pre-tax, your earnings and interest, and SS have to go through European tax rates, lots of reporting to both go...