Search found 931 matches

by halfnine
Mon Jun 10, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3175

Re: London / UK Summer Trip

I've done it before on the left with no issues and this was before GPS so you had to navigate as well. The bigger issue in the UK is not so much driving on the left but driving on the left while navigating very narrow roads, roundabouts, and quite frequently two lane traffic on a one lane road. If ...
by halfnine
Mon Jun 10, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: How to get good at a racket sport without coaching?
Replies: 43
Views: 1326

Re: How to get good at a racket sport without coaching?

You are never going to be a great racket sport player by just practicing and perfecting technique. Not in singles. It's a one v one competition and styles of the players matter as well as the mental aspect. With that out of the way, I have a few tips. Visualize the serve and return. Just prior to se...
by halfnine
Fri Jun 07, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 197
Views: 19937

Re: Bogle "5% Gold"

Just looks at the returns of stocks vs bonds vs golds for the decade of 2000 to 2010. As far as I recall, the world didn't collapse during that decade. However, gold had a CAGR of 15%, bonds had 6%, and stocks had 1%. Gold was a great portfolio diversifier during that decade. And if the world had c...
by halfnine
Fri Jun 07, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Trailer Camping while Skiing?
Replies: 14
Views: 1069

Re: Trailer Camping while Skiing?

I spent a good chunk of one winter living out of my car and resort skiing. Based on my experiences, I have a few thoughts. The nights are really really long. You are looking at 15 hours plus of darkness with little opportunity to be outside once skiing is over. You will have to figure out a way for ...
by halfnine
Wed May 15, 2019 4:28 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3086

Re: Best month to visit London?

I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January. OTOH you can often find a cheap airfare on the actual holida...
by halfnine
Wed May 15, 2019 4:09 am
Forum: Personal Consumer Issues
Topic: Traveling to Europe on Green Card
Replies: 12
Views: 999

Re: Traveling to Europe on Green Card

I am wondering does anybody here have experience obtaining Schengen Visa (specifically, Italian) in the USA being a green card holder? They require to show airline ticket before going for the visa interview. I am looking at tickets costing ~$800, and it bothers me to pay that much money for a non-r...
by halfnine
Sun May 12, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2073

Re: Backpacking/study abroad for young folks

...I view travel, particularly outside of one's cultural comfort zone, as producing a variety of benefits. Some are pure fun/enjoyment, but travel can also alter one's world view, enlarge one's thinking and vision of the world, and so on. There may be direct benefits (career and the like) to the ki...
by halfnine
Sun May 12, 2019 5:42 am
Forum: Non-US Investing
Topic: Theory: Choose retirement country based on Forex rate
Replies: 32
Views: 2341

Re: Theory: Choose retirement country based on Forex rate

[*] You want to retire in 25 years, at 65, to any of countries A, B, C, D, or E; Retirement closer to 10-15 years away and by 60. Countries A, B, C, possibly D and a few others with reciprocity. [*] You have the right to live in each of these countries and they each have their own currency and rela...
by halfnine
Sun May 05, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: China/Tibet Visa Weirdness
Replies: 12
Views: 2323

Re: China/Tibet Visa Weirdness

The rules on travel to Tibet change frequently. My 10 year old knowledge will be of no use to you. I recommend you go to a dedicated travel forum (Lonely Planet, etc) where you will be more likely to find recommendations from someone who has traveled there recently.
by halfnine
Sat May 04, 2019 3:31 pm
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5914

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

My chances of retiring to a cheaper, sunnier continental bolthole just got killed by Brexit ;-). That is an interesting risk: that retirement options will narrow in the future due to politics, war, etc. Brexit might mean that Brits can't rely on a retirement in Spain or Portugal, and a more extreme...
by halfnine
Sat May 04, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 28193

Re: 20 countries where 200K in retirement savings will last you decades

...Saying that Bulgarians want to come to the US is a poor argument. Most locals would love to stay if they could earn an American salary, but they can't, so they leave. It's that simple.... This is what I have seen as well across the globe. People flock to the US (and other developed countries) fo...
by halfnine
Fri May 03, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 28193

Re: 20 countries where 200K in retirement savings will last you decades

..For some of the “why did they leave that country out?” questions...I think the article stuck to countries that American retirees could conceivably retire to. India, for example, doesn’t give residency to anyone who doesn’t already have some sort of ties to India. I suspect China is the same... I ...
by halfnine
Fri May 03, 2019 3:55 am
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5914

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

.....The poster you are replying to is also modelling a 4% SWR.... This isn’t entirely correct. We are targeting retirement at 60 with part time work along the way instead of retiring early in our 50s with full time work. We felt that with children it would offer a better life balance. So the quest...
by halfnine
Thu May 02, 2019 3:47 pm
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5914

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

Expats. Europe. Downshifted. Young primary school children. Late 40s. Citizenship or permanent residency in 4 countries which means little to worry about for future healthcare or college costs. Plus we have lived in quite a few countries and have ties that would make relocating quite straightforward...
by halfnine
Sun Apr 28, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8390

Re: What are the cons of always being a one parent working household?

OP, I don't believe either choice is right or wrong. Both choices don't come with "cons" as much as they come come with different "challenges". You'll have to decide which set of challenges your family is better equipped to overcome.
by halfnine
Sun Apr 28, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 75
Views: 5202

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

...I would say do 3 months and call it an extended vacation (probably what you're looking for anyway, based on your original post). Or do 2-3 years and really go for immersion: learn a bit of the language, culture, meet proper friends, etc... This is very true. ...I moved to a European country in m...
by halfnine
Fri Apr 26, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 28193

Re: 20 countries where 200K in retirement savings will last you decades

I am just going to make a few general comments. - The general trend with establishing residency in countries is that it is has been getting harder and harder. There are many countries that I could have immigrated to 15 years ago that I could no longer immigrate to now. As to many of the less develop...
by halfnine
Fri Apr 26, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Folding bikes: Go Brompton or cheaper?
Replies: 27
Views: 1909

Re: Folding bikes: Go Brompton or cheaper?

Person A: daily commuter, 3 miles round-trip, mostly flat, all seasons (except during snow/ice) I have a 20-incher Dahon that I've used for commute like trips. For a 1.5 mile trip, I'd suggest a folder with even smaller wheels. For a while I'd occasionally encounter a fellow cyclist with such a bik...
by halfnine
Thu Apr 25, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Folding bikes: Go Brompton or cheaper?
Replies: 27
Views: 1909

Re: Folding bikes: Go Brompton or cheaper?

We have both price points. A Dahon Speed D7 and a Brompton. Both were bought about 10 years ago when we were living in 350 sq ft and there was no way regular size bikes were going to fit inside. Both are still going strong. The Brompton excels at the fold and carry especially for someone who is a sp...
by halfnine
Thu Apr 25, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1207

Re: Digital Nomad - Automobile Insurance Issues

She did call her insurer. They asked where the car was garaged. She ended the call and called me... Another issue came up as we began to look into it. Apparently, these companies that are offering physical address and mailbox services to establish domicile, are being flagged by banks and insurers a...
by halfnine
Wed Apr 24, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1207

Re: Digital Nomad - Automobile Insurance Issues

She will likely eventually have more issues than just car insurance. Although written toward the RV crowd she should have a look here for some guidance.
by halfnine
Tue Apr 23, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign property/family issue
Replies: 31
Views: 1598

Re: Foreign property/family issue

Someone made an interesting point comparing conditions we would attach to financial support to conditions the in-laws attached to paying for my wife's education. I can't know what was in their minds, but my personal opinion is that certain conditions are probably ok. We plan to save in a 529 for ou...
by halfnine
Tue Apr 23, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3358

Re: travel budget in retirement

100%. Sell the house and all other belongings you can't bring with you in a suitcase and/or a backpack. Travel permanently. Why not? Very, very few people travel permanently. Many make the claim but eventually they settle down somewhere. Even travel gets old. But, yes, for those who'd like to make ...
by halfnine
Tue Apr 23, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign property/family issue
Replies: 31
Views: 1598

Re: Foreign property/family issue

When looking at the costs of owning the foreign property have you considered the foreign tax rate. Additionally, the expenses that are allowed to offset income are different in different countries. For instance, some countries don't let you offset interest on a loan against rental income. Your tax r...
by halfnine
Tue Apr 23, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Africa the Boglehead way
Replies: 10
Views: 937

Re: Planning a trip to Africa the Boglehead way

Thanks all. I was getting brochures - the "all inclusive" type safaris costing many thousands of dollars - like financial planner advertising with lots of fees. After a little more exploring (TripAdvisor) I can see many low cost competitive ways to visit the continent. I'll probably "blend" some of...
by halfnine
Tue Apr 23, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Rent vs. Buy Calculator What Inputs Should I Assume?
Replies: 17
Views: 891

Re: NYT Rent vs. Buy Calculator What Inputs Should I Assume?

I think the best way to use rent vs buy calculators is to adjust the variables until you find the break even point between the two. Then you can look at the assumptions and see which is more realistic or likely between the two.
by halfnine
Mon Apr 22, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 75
Views: 5202

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

It will be a more costly way to travel but if you have the funds it might be more enjoyable way for you to spend time abroad as well. But you will probably be more inclined to keep your travels closer to the base. For instance, I'd personally might be inclined to stay in Thailand and then travel aro...
by halfnine
Sat Apr 20, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9645

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Not retired. OP, I share your view on cruises. Great for multi-family or multi-generational travel. Tour Groups. I think there is a time and place for them. For instance, I've taken 2-3 week travel tours in both China and India. I think it is a great way to experience the "touristy" parts of the cou...
by halfnine
Fri Apr 19, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 110
Views: 13307

Re: Weigh in on our Marital Argument =)-- HCOL edition

We are in a very similar situation. Similar housing costs, same number of children, similar ages in a VHCOL area. Our place is a little smaller at 900 sq ft. When the spouse's parents come to visit it is normally for 1-2 months as they have to travel half way around the world. They stay with us (li...
by halfnine
Thu Apr 18, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 110
Views: 13307

Re: Weigh in on our Marital Argument =)-- HCOL edition

We are in a very similar situation. Similar housing costs, same number of children, similar ages in a VHCOL area. Our place is a little smaller at 900 sq ft. When the spouse's parents come to visit it is normally for 1-2 months as they have to travel half way around the world. They stay with us (lik...
by halfnine
Tue Apr 16, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4659

Re: Where To Get New Bikes

Hello, Our kid has graduated of balance bike and is becoming more comfortable riding a bike. The weather is certainly more conducive for outside activity, and we are thinking of starting biking as a new family activity.... Just be aware that biking as a family activity with really young kids is mor...
by halfnine
Fri Apr 12, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6264

Re: Soon to be dad, how to prepare

Start figuring out how to do all the things you already do in half the time. You'll need the extra time that is saved.
by halfnine
Tue Apr 09, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: 529 tax hack if you plan to expatriate?
Replies: 24
Views: 2174

Re: 529 tax hack if you plan to expatriate?

The simple answer is that it is complicated. It gets even worse because the tax years of each country are often different which can place the same income into different tax years. So it often involves making an estimate and then having to amend later after the other tax years finish. I have begun ex...
by halfnine
Sat Apr 06, 2019 3:17 pm
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 92
Views: 6487

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

I might "tilt" between factors/total market, domestic/international, or among currencies if there is a ten year lag or what might appear to be a once in a decade opportunity.
by halfnine
Sat Apr 06, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Benefits Of International Diversification
Replies: 86
Views: 6823

Re: Larry Swedroe: Benefits Of International Diversification

While it is true that publicly traded companies that are listed on US stock exchanges have had a good historical run, what prevents the future Apple, Google, etc from being listed on a foreign exchange? And, is there anything that prevents existing companies from relisting elsewhere?
by halfnine
Sat Apr 06, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: 529 tax hack if you plan to expatriate?
Replies: 24
Views: 2174

Re: 529 tax hack if you plan to expatriate?

3, Going back to the US for a year at some point to cash it out the 529 might not be viable either. In some countries you will still be liable for taxes unless you break ties for quite a few years and not just one. That's a shady scenario. I know sometimes the tax authorities make this argument and...
by halfnine
Fri Apr 05, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: 529 tax hack if you plan to expatriate?
Replies: 24
Views: 2174

Re: 529 tax hack if you plan to expatriate?

I see a few possible problems with the 529. 1. If the 529 is considered a qualified retirement plan in the EU country you live in than a distribution could come with penalties for early withdrawal. These could be excessive and well beyond the 10% you are anticipating in the US. 2. If the 529 in not ...
by halfnine
Wed Apr 03, 2019 3:24 pm
Forum: Personal Investments
Topic: allocation change with "winning the game"
Replies: 39
Views: 3691

Re: allocation change with "winning the game"

My opinion is you've only won the game if your country's future ends up resembling your country's past. In that sense, there are still many ways to still lose the game. Me, personally, once I've "won the game" I certainly won't need more money and would be more inclined to take any excess money and ...
by halfnine
Tue Apr 02, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16698

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

After reading previous threads from Klangfool, I began to think that targeting a portfolio of 25x minimum expenses at age 50 would be a reasonable compromise of living for today, saving for tomorrow and dealing with the uncertainty of human capital.
by halfnine
Fri Mar 29, 2019 4:06 pm
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 5509

Re: $480K, no job, special needs kids, what to do?

Consider moving to another country with lower healthcare costs? Plenty of reasonable options in developing countries in South America/Asia. Just my two cents- You are on a path to bankruptcy the longer you stay in US with the current expenses... Yes. I've eligible to become an Irish citizen through...
by halfnine
Thu Mar 28, 2019 4:04 pm
Forum: Personal Investments
Topic: Change international % in equities over time?
Replies: 11
Views: 926

Re: Change international % in equities over time?

I can understand an argument for have a high allocation to international to diversify risk when younger and then gradually shifting towards domestic as one approaches traditional retirement age. The philosophy being once one is into their 60s country risk is more palatable in the sense that if count...
by halfnine
Thu Mar 28, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Decent hiking/trekking clothing?
Replies: 50
Views: 1969

Re: Decent hiking/trekking clothing?

To some extent it is going to depend on whether you are carrying your gear or whether you have porters. If you have porters it doesn't much matter although you'll likely still prefer to swap out cotton for other fabrics. If you are carrying your own gear then you will will have to be more selective ...
by halfnine
Tue Mar 26, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: (Potential) Once in a generation foreign currency opportunity. How best to effect it?
Replies: 13
Views: 1875

Re: (Potential) Once in a generation foreign currency opportunity. How best to effect it?

Couple of options OTOH: 1. Forex. Will have to pay overnight rates each night, though, which is probably somewhere around 1.5-2.0% now. If looking at short duration this might be acceptable. 2. Futures. The purchase price has the implied interest rate charge indicated above (I believe). The benefit ...
by halfnine
Tue Mar 26, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4295

Re: Does the 4% rule work for a 'world' portfolio?

I get your point, but you might be looking for an 'average' where there isn't really one to be found. For instance, it might be that if things keep going fairly well, the SWR is 4.5%, but if things go to heck in a hand-basket, it's 1%, with not much middle-ground (not saying that that's accurate; s...
by halfnine
Tue Mar 26, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Adventure Trip Ideas - Pacific NW vs Utah / Wyoming
Replies: 16
Views: 974

Re: Adventure Trip Ideas - Pacific NW vs Utah / Wyoming

I once took my kayak, mountain bike, skis/snowboard and climbing gear for a five day trip in the Eastern Sierra in early summer.
by halfnine
Mon Mar 25, 2019 4:05 pm
Forum: Investing - Theory, News & General
Topic: SWR advice from EarlyRetirementNow.com
Replies: 6
Views: 1251

Re: SWR advice from EarlyRetirementNow.com

However, there was a research paper a while back on SWR across different countries, and I remember making a mental note that 3.0-3.5% SWR was more appropriate. 4% only worked for US and Canada, and other countries it failed. From what I could gather from studies of other countries, a 3.5% withdrawa...
by halfnine
Sun Mar 24, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 91
Views: 7549

Re: Would you trade experiences in your youth for early retirement

If it was something I could do when I was older (even the next decade older) I waited or am still waiting. But, the experiences I had in my 20s and 30s I simply can not do as well or as easily now that I am in my late 40s. I am certainly glad I did them when I did.
by halfnine
Tue Mar 19, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3918

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

I've historically found that Rockports fit the all around mold quite well, but it's been a while since I've needed something similar so quality may have changed. I took something similar to this on a year long trip that included treks in various mountain ranges as well as a trip up Kilimanjaro.
by halfnine
Tue Mar 19, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3508

Re: What are the purposes of your travels?

The "purpose" of my travels changes based on where I am. After years of trying to pound a square peg into a round hole I finally realized that the place dictates the preferred travel style and not the other way around. And after many years of traveling and many many more years of living abroad I've ...
by halfnine
Sun Mar 17, 2019 3:57 pm
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13527

Re: Why diversification is not a viable strategy?

While small amounts of gold could get one out of a country it is unlikely to do much about getting one into a country for an extended basis. Not today. Not without existing citizenship or residency rights. The world has become way too crowded and migration controls more and more strict. An American ...