Search found 1209 matches

by halfnine
Tue May 26, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27588

Re: The axe falls and I am prepared. What's next?

Just out of curiosity, go where and how? it's not like we're all able to board a plane with our luggage in hand as the world has melted down and is in ruins. squirm, My family is spread across 30+ countries in the world. We are globalized. KlangFool Klangfool's family can probably own a little gold...
by halfnine
Tue May 26, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27588

Re: The axe falls and I am prepared. What's next?

Just out of curiosity, go where and how? it's not like we're all able to board a plane with our luggage in hand as the world has melted down and is in ruins. squirm, My family is spread across 30+ countries in the world. We are globalized. KlangFool Klangfool's family can probably own a little gold...
by halfnine
Tue May 26, 2020 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27588

Re: The axe falls and I am prepared. What's next?

...what he did after his job loss (he needed income) was start a consulting company (with him as the only employee) and 'branded' himself as the person to call when all else fails (fixes to problems or new designs). If that is what you are (as shown in bold above) then perhaps that is an option if ...
by halfnine
Fri May 22, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4127

Re: COVID - 19 things to do

Get in the best shape of your life. Our office closed for several weeks, and I don't think there was any other period of my life where I ran more miles in that span of time. The endorphins help you feel better as well. You don’t have young kids do you? I do not. I purposely do not so I can do stuff...
by halfnine
Fri May 22, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: Efficiency or resiliency in investing, business, personal finance, etc.
Replies: 83
Views: 3514

Re: Efficiency or resiliency in investing, business, personal finance, etc.

To be resilient, you assume nothing. Anything that can go wrong will go wrong at the same time. How would an investor practice such an approach? willthrill81, A) Stress-test your portfolio against: 1) Bear market 2) Bull market 3) Deflation 4) Inflation 5) Hyperinflation. 6) Low-interest rate 7) Hi...
by halfnine
Tue May 19, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 551
Views: 144547

Re: Pull-ups and Push-ups

I blew out my shoulder and am down to one arm. Not looking for any particular rehab advice for that shoulder. But, I am looking for advice on how to continue lifting at home sans one arm particularly from someone who may have experienced similar. For those that haven't, keep in mind that whatever se...
by halfnine
Tue May 19, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3985

Re: Dual citizen, USA passport expiring, how to travel internationally

I too am a born USA citizen & naturalized Canadian citizen with passports from both expiring >5 years from now. And said family member insinuated I was being foolish for maintaining both even though I don't really travel. Ha! We have citizenships across multiple countries. Considering the kids pass...
by halfnine
Tue May 19, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6305

Re: WFW (Work from Wherever)

I worked from wherever from 2004 to 2008 and most of that was from other continents. If any of the negatives proposed I could overcome a decade ago they could certainly be overcome now.
by halfnine
Sun May 17, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3985

Re: Dual citizen, USA passport expiring, how to travel internationally

Unless you are looking for trouble you leave the US with your US passport and you arrive in the US with your US passport. As to the expired passport, it is unlikely that you would get it past the airlines to board the flight. Are there other possibilities of getting in/out of the USA and/or getting ...
by halfnine
Sun May 17, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 60
Views: 5091

Re: Rent is increased by 6%, negotiation tips?

With low yields on fixed income we've been typically asking for a discount and offering 3-6 months up front. In this environment short term cash flow might be more valuable to landlords than higher rents.
by halfnine
Sat May 16, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6305

Re: WFW (Work from Wherever)

I was a digital nomad for several years. It’s a great way to live, but YouTubers tend to gloss over the pain the rump parts. I was doing it as a “backpacker”, living in hostels and couchsurfing. While running a professional services company. It was nearly impossible to grow the business, ability to...
by halfnine
Thu May 14, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2914

Re: Secretly Retired - Family doesn't know

You're spending way too much energy trying to maintain relationships with friends and family. Live your life the way you want to and discard the friendships and the family members that can't adapt to a new normal and cherish the ones that can.
by halfnine
Wed May 13, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9442

Re: Turning 30. Living 30s without regrets

Sounds like you should spend more money. The best things in life cost very little money. The sooner you realize that, the sooner you'll learn to appreciate that the most important things in life aren't bought, sold or traded. Learn to separate work from your own personal life and be richer for it. ...
by halfnine
Mon May 11, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8270

Re: Percentage of savings to "prepping"?

Meanwhile, go back-packing, but please not in the middle of a global health and economic crisis! :D Why not? I’ve got over 1,500 square miles of forest down the street with nary another human being in it. Sounds like the perfect place to do some social distancing. I need to stock up on supplies fir...
by halfnine
Mon May 11, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8270

Re: Percentage of savings to "prepping"?

..-canned goods are heavy!.. Don't buy them. They are not very calorie dense, bulky, heavy, and take up extra space due to their cylindrical shape. We're a family living in 1000 sq ft. We have plenty of food to last us months but learned quite quickly that canned food wasn't very practical and have...
by halfnine
Thu May 07, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5097

Re: Where do you back up your important data?

Two external HDDs. One is kept in a safe deposit box; the other attached to my PC. I rotate them ~3-6 months. The copy in the SDB is obviously not as current as if it were in the cloud, but I prefer the off-site backup being slightly out of date to it being in the cloud. This. Both encrypted. I als...
by halfnine
Sun May 03, 2020 3:04 pm
Forum: Non-US Investing
Topic: [Non-US] Would adding US treasuries give a diversification benefit?
Replies: 14
Views: 1285

Re: [Non-US] Would adding US treasuries give a diversification benefit?

OTOH, I recall long dated US Treasuries to be a perfect complement to the AUD over the past 15 years. Hard to say what will happen in the future and I dropped any additional research on the subject and just opted to globally diversify my bond holdings unhedged. As far as I can tell across countries...
by halfnine
Sat May 02, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Powdered Soy Milk
Replies: 39
Views: 2196

Re: Powdered Soy Milk

I live in Europe so can't really help you with a source. However, where I live there is a 50-100% premium for either powdered milk or powdered soy milk. It's also increasingly more and more difficult to source. I don't expect you will find it cheaper than the non-powdered format.
by halfnine
Sat May 02, 2020 3:23 pm
Forum: Non-US Investing
Topic: [Non-US] Would adding US treasuries give a diversification benefit?
Replies: 14
Views: 1285

Re: [Non-US] Would adding US treasuries give a diversification benefit?

Just a passing thought, but would US treasures (unhedged) provide a diversification benefit for non-US investors? For example, if we take a portfolio of 70% global cap weighted stocks 30% home country (developed country) government bonds US treasuries would have some currency risk, so you couldn't ...
by halfnine
Fri May 01, 2020 3:31 pm
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 121
Views: 5026

Re: Holding Gold as "Doomsday Fund"

I'm not a big gold fan but I don't deny there could be portfolio diversification benefits. But for those that advocate a large stash of physical gold, I'd like to understand the specifics of the scenario where it is better to hold physical gold. If the working financial markets just stop working, h...
by halfnine
Fri May 01, 2020 3:08 pm
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 19841

Re: Why am I even saving for retirement?

I left the country at around your age with a similar work history up to around then. I expect at FRA that I will be looking at around 20K/yr (in today's dollars) and another 10k/yr for my spouse which is consistent enough with the numbers others have shown if you were to stop working today. I could ...
by halfnine
Thu Apr 30, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: 1-way or round trip for long-term international airfare?
Replies: 15
Views: 897

Re: 1-way or round trip for long-term international airfare?

And, of course, but I am sure you already know this, be cautious of the airline and the routing choices available if getting a non-direct flight. Years back I was left stranded in the South America for a few weeks after my flight got cancelled due to a hurricane at my stopover city.
by halfnine
Thu Apr 30, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: 1-way or round trip for long-term international airfare?
Replies: 15
Views: 897

Re: 1-way or round trip for long-term international airfare?

One way tickets are generally more effective when going to multiple destinations and not a single destination and then home. There are companies that specialize in these type of tickets but they do require multiple destinations. Of course, she might be able to find a trip that gives her the opportun...
by halfnine
Wed Apr 29, 2020 3:32 pm
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 121
Views: 5026

Re: Holding Gold as "Doomsday Fund"

My thoughts: 10 oz of physical gold per person has gotten people out of countries. 10% allocation to gold has reduced left tail risk across countries in the developed world. In a crisis that is significant enough for gold to be of tremendous value it would be more viable to have it for when the worl...
by halfnine
Tue Apr 28, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7149

Re: How do you explain no COVID19 Stimulus Payment?

Isn't your stimulus check for zero. And, as such, haven't you received it already.
by halfnine
Mon Apr 27, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment Foreign Address
Replies: 3
Views: 939

Re: IRS Get My Payment Foreign Address

No luck on my foreign address either.
by halfnine
Mon Apr 27, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97076

Re: Well, I am market timing due to coronavirus... Wish me luck.

CnC wrote:
Mon Apr 27, 2020 9:52 am
...Yea i missed the mark on the fed just printing unlimited money to prop the market up....
halfnine wrote:
Mon Mar 16, 2020 5:05 pm
The problem with market timing is fighting the Fed. At least that was what I learned a few years back.
Notice the time stamp :twisted:

I still wouldn't rule out a big drop, though. Best of luck.
by halfnine
Fri Apr 24, 2020 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12706

Re: Moving out of NYC due to pandemic

I wouldn't be surprised if there are "winning" countries and "losing" countries at the tail end of this. And we are not opposed to moving countries if the worse comes to pass. So, in that sense, moving cities wouldn't even cause us much hesitation. However, I think it is a bit premature at this poin...
by halfnine
Thu Apr 23, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Which new kid's bike to buy online?
Replies: 42
Views: 1672

Re: Which new kid's bike to buy online?

... I think they'd like one BMX bike and one with gears. They drive mainly on the street with some light trails. Nothing serious, just for riding around the neighborhood. Any particular features I should get?... Based on their usage I would just buy them two BMX bikes. Saves any argument over who g...
by halfnine
Wed Apr 22, 2020 4:37 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72465

Re: Bogleheads community discussion - Coronavirus

....Oximeter should be an essential tool in every household, along with these: - thermometer (preferably, ONE per household member, so that in case each get sick, you don't re-use; plus an extra), - blood pressure monitor, - oximeter, - glucose monitor, - a fairly robust medicine cabinet, - UVC san...
by halfnine
Wed Apr 22, 2020 3:46 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72465

Re: Bogleheads community discussion - Coronavirus

...Hiding in your home can only be in the hope of a vaccine, timing local hospital facility load (can manage your potential admission), or that you use this interval to get yourself to the next tier of risk by exercise and diet... Or, additionally, you are waiting for the people in your city to wea...
by halfnine
Wed Apr 22, 2020 5:48 am
Forum: Personal Consumer Issues
Topic: RV/Camper in Corona Virus Times
Replies: 23
Views: 1700

Re: RV/Camper in Corona Virus Times

Seems like plane travel, hotels, and eating in restaurants my not be prudent for the foreseeable future. RV/Camper travel might serve as a replacement for traditional vacations. Anyone else considering this? Maybe I'll throw the next couple of years vacation money at an RV/camper. Already booked Ea...
by halfnine
Tue Apr 21, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Future 60/40 Portfolio has a 43% Chance of Failing with 4% Withdrawal Rate
Replies: 622
Views: 31474

Re: Future 60/40 Portfolio has a 43% Chance of Failing with 4% Withdrawal Rate

....If we limit our analysis to the U.S., then I agree. But other nations' experiences have shown us that stock markets can go to zero (e.g. Russia, China) and sovereign nations can default on their bond obligations. What is actionable about that though? Build a bunker and stock it with 30 years wo...
by halfnine
Mon Apr 20, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128946

Re: Coronavirus (Consumer Issues) How you are preparing?

My question was rather centered on food becoming more scarce in the coming months. I foresee further disruption in distribution channels, but nothing like food scarcity. I see disruption leads to scarcity for us. Don't mean to scare, just thinking loud. Our local news reported several stores have t...
by halfnine
Sun Apr 19, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128946

Re: Coronavirus (Consumer Issues) How you are preparing?

..I am sure, a few months down the road as the food becomes more scarce, reading again what I wrote today, everything will become so insignificant.. This is so true. Seems like an extremely negative outlook. Care to explain? Sure. When your locale gets into the thick of it many of the concerns/comp...
by halfnine
Sun Apr 19, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128946

Re: Coronavirus (Consumer Issues) How you are preparing?

Faith20879 wrote:
Sun Apr 19, 2020 11:45 am
..I am sure, a few months down the road as the food becomes more scarce, reading again what I wrote today, everything will become so insignificant..
This is so true.
by halfnine
Sat Apr 18, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Passport Covers and Camouflage Passports
Replies: 13
Views: 1220

Re: Passport Covers and Camouflage Passports

Now, if you can fluently speak the language of any other of your other nationalities that might work as well provided you stay away from speaking English (er American). I added becoming fluent in Klingon to my to-do list. No one will mess with me. :twisted: For some $50k or so the OP could get anot...
by halfnine
Sat Apr 18, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Expecting Child #1 - Cost Saving Ideas?
Replies: 55
Views: 2110

Re: Expecting Child #1 - Cost Saving Ideas?

Buy gender neutral everything so you can use it for future children regardless of sex. Breast feed and the baby costs very little. Pump if necessary. They aren't expensive until they grow a bit. There is an entire industry built around making you feel like a bad parent if you don't buy XYZ for your...
by halfnine
Sat Apr 18, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Passport Covers and Camouflage Passports
Replies: 13
Views: 1220

Re: Passport Covers and Camouflage Passports

We have multiple citizenships and obviously the passports that come with them. We have also traveled to most regions of the world. If you are by and large an American people aren't that daft and they will figure it out although you can often get away with pretending to be a Canadian. That is until y...
by halfnine
Sat Apr 18, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Expecting Child #1 - Cost Saving Ideas?
Replies: 55
Views: 2110

Re: Expecting Child #1 - Cost Saving Ideas?

Cost savings: Use other people's money. You should get lots of items from your family and friends. Make it known that you would welcome hand-me-downs and used stuff. This and realize that all those gadgets that everybody says you have to have, you really don't. All this. I would add to only buy it ...
by halfnine
Sat Apr 18, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16350

Re: What percentage of your paycheck do you invest?

Some years 0%, some years 100%, and some years somewhere in between.
by halfnine
Sat Apr 18, 2020 10:29 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72465

Re: Bogleheads community discussion - Coronavirus

..If we have the same system as other countries that can do contact tracing and quarantine all infected persons plus close contacts as it shows up, we do not need that many tests. Anything short of that, the only other choice is to test everyone. So, which answer do you prefer? A) Fewer tests but h...
by halfnine
Sat Apr 18, 2020 10:03 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72465

Re: Bogleheads community discussion - Coronavirus

..If we have the same system as other countries that can do contact tracing and quarantine all infected persons plus close contacts as it shows up, we do not need that many tests. Anything short of that, the only other choice is to test everyone. So, which answer do you prefer? A) Fewer tests but h...
by halfnine
Sat Apr 18, 2020 4:17 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72465

Re: Bogleheads community discussion - Coronavirus

..If we have the same system as other countries that can do contact tracing and quarantine all infected persons plus close contacts as it shows up, we do not need that many tests. Anything short of that, the only other choice is to test everyone. So, which answer do you prefer? A) Fewer tests but h...
by halfnine
Thu Apr 16, 2020 2:23 am
Forum: Personal Consumer Issues
Topic: UV Disinfection Devices
Replies: 10
Views: 697

Re: UV Disinfection Devices

Just wrote this in another post but essentially UV light will only kill via line of sight. Any nooks, crevices, folds, etc. where the light can not penetrate can still have live viruses that will have to be eliminated by other means. This. You'd probably want a model that at least has a light sourc...
by halfnine
Wed Apr 15, 2020 5:13 am
Forum: Non-US Investing
Topic: Australian non-tax resident - taxes and ETF investing
Replies: 7
Views: 406

Re: Australian non-tax resident - taxes and ETF investing

I'd determine how much Australian home bias you want in your equity allocation. Invest this in a solely Australian fund in Australia and benefit from no capital gains taxes while also allowing for franking credits on dividends (I believe?). Invest the non-Australian equity portion outside of Austral...
by halfnine
Wed Apr 15, 2020 4:46 am
Forum: Non-US Investing
Topic: No need to invest for Europeans?
Replies: 119
Views: 6376

Re: No need to invest for Europeans?

Living in one of the wealthier countries in Europe, I benefit from: - universal healthcare - unemployment insurance which pays 60 % of income for 12 months and then social security - a pension that will cover about 70 % of my averaged salary - zero or very low student debt for me and future childre...
by halfnine
Wed Apr 15, 2020 4:12 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296830

Re: Coronavirus and the market

...between the last recession and the current one, the evidence is certainly clear that the Fed will 'throw a lifeline' to whomever is in need, even if that need is largely due to their own imprudent behavior. I cannot help but think that this will have long-term effects on the pricing of individua...
by halfnine
Wed Apr 15, 2020 3:43 am
Forum: Personal Consumer Issues
Topic: Learning 2 foreign languages simultaneously: bad idea for 5 year old?
Replies: 28
Views: 1409

Re: Learning 2 foreign languages simultaneously: bad idea for 5 year old?

The cognitive benefits only require a second language. If you would like them to continue to progress it will require a minimum of 15 hours of week per language from either a parent, grandparent, tutor, etc. Watching TV isn't going to do it. Having a third language without cultural or family ties is...
by halfnine
Mon Apr 13, 2020 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Foreign tax paid, Form 1116: is there a cliff?
Replies: 8
Views: 563

Re: Foreign tax paid, Form 1116: is there a cliff?

..Is there a cliff here where lose about $480 if my foreign taxes paid went up from $599 to $603?.. Essentially, yes there is a cliff. But, you are actually looking at it backwards. Technically, you really only should be getting around $120 credit in your scenario but if you fall beneath $600 you a...