Search found 737 matches

by halfnine
Tue Jan 16, 2018 9:16 am
Forum: Forum Issues and Administration
Topic: [New forum request] International investing and US non-resident section
Replies: 20
Views: 1793

Re: EU investing

Personally, I think the forum would benefit with a section for those "Investing - Help with Personal Investments - living outside the US". This would cover expats and other nationalities combined. This would be beneficial for a couple of reasons. First those with the knowledge to respond to these ty...
by halfnine
Mon Jan 15, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 93
Views: 4785

Re: Looking for a reasonably priced, safe international destination

With a week and young kids, I'd be inclined to keep the time change minimal. To that end, personally, I view the majority of the Americas as pretty safe. So I wouldn't be so much worried and robbery, theft, violence, etc. However, in less developed countries children could be a challenge since they ...
by halfnine
Sun Jan 14, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Does Global Wellesley Get the Foreign Tax Credit?
Replies: 5
Views: 584

Re: Does Global Wellesley Get the Foreign Tax Credit?

This is all OTOH so I might be mistaken and the numbers are crude. However, a couple of thoughts.. In a fairly typical fund the foreign taxes paid is around 0.2%. For Global Wellesley then crudely maybe we are talking 0.1%. So, if no credit is allowed this would basically be the additional expense o...
by halfnine
Sat Jan 13, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for UK equivalent of a 12-month CD
Replies: 2
Views: 154

Re: Looking for UK equivalent of a 12-month CD

You will want to look for the term fixed rate and not CD. The Post Office and NS&I might be the easiest to sort out.
by halfnine
Sat Jan 13, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4511

Re: A half year at full pay or a full year at half pay?

...Cost, obviously. The post-tax cost of the extra 6 months of leave would be around $86000 or almost $500/day. That doesn't even include the higher cost of living at the new location. While we could afford to do it, there are other things we'd like to spend our money on over the next 10 years... U...
by halfnine
Fri Jan 12, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4511

Re: A half year at full pay or a full year at half pay?

Our intentions are to take our kids on a year traveling abroad even without an option for a sabbatical. So, I think you understand my preferences. However, I will not take my kids when they are in their teenage years unless it is something they truly want to do and I am not talking just a little bit...
by halfnine
Thu Jan 11, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 6514

Re: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?

....I've been working since I was 15 so I'll have more than 10 years necessary for social security.... Based on high income and work history I see little issue here. You will probably be past the first bend point where you get the most bang for you buck. I wouldn't be surprised if you would get 50-...
by halfnine
Thu Jan 11, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Sequence of Return Risk impact on Retirement
Replies: 103
Views: 4115

Re: Sequence of Return Risk impact on Retirement

...No mater how one might strategize or slice and dice a portfolio, it still represents a SPOF. Single point of failure. Retirees and senior retirees, and super seniors, are running out of time. There's only so many years to go thru a recovery of unknown duration. thus. Multiple and diversified inc...
by halfnine
Wed Jan 10, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17229

Re: Buying Real Silver and Gold (Not Bitcoin)

Does anyone here know a good bank in New Zealand, in case North America and Europe get nuked? It's increasingly more difficult for an American to open a foreign account remotely although 6 figures or residency can help. There are still some opportunities, though, it probably will require a trip abr...
by halfnine
Fri Jan 05, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 31
Views: 1778

Re: compression sack for sleeping bag, help with calculations please

....I am waiting for the arrival of my Osprey Aura 65G early next week. I plan to take the top lid off, place 3 event compression sacks (S, M, L) and hopefully I can carry it on the airplane...... I was a bit confused on the sleeping bag choice and the compression stuff sacks, but it seems the main...
by halfnine
Thu Jan 04, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 31
Views: 1778

Re: compression sack for sleeping bag, help with calculations please

A 20 deg bag could work with the right sleeping pad and the right night-time clothes. I agree there are a lot of ways a 20F bag could work under the right circumstances. I used a 38F bag on Kili and still kept all my fingers and toes :D . But, most people seemed a lot happier with lower rated sleep...
by halfnine
Thu Jan 04, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 31
Views: 1778

Re: compression sack for sleeping bag, help with calculations please

Before moving on to the compression stuff sack, I am curious about a 20F bag for Kili. Most people likely opt for a sleeping bag in the 0F range.
by halfnine
Tue Jan 02, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 6557

Re: Before buying gold, have a look at these returns since 1975

:arrow: The big takeaway from this data is that out of 184 Empires in the past 4,300 years, they all ended. It would be instructive to study how empires end. I would like to know more about that. I know that in 1913, There was the Russian, German, Austro-Hungarian, and Ottoman empires. They all end...
by halfnine
Thu Dec 28, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11739

Re: European Cities that don't interest you

It took me a long time to figure it out but I finally realized that when I didn't like a place it wasn't the place it was me. The great travelers I've known can wear many different hats which allows them many different experiences. And once you figure out which hat is required for which place your e...
by halfnine
Thu Dec 28, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4619

Re: A Year of Extreme Frugality

Took on work assignments in other locations so that for most of the year lodging and food were covered by employer. Plus earned a nice per diem. When I was back in the home office lived out of my car or stayed at $1/night walk in campgrounds. But, I never tried to save by eating what I would conside...
by halfnine
Tue Dec 26, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11739

Re: European Cities that don't interest you

Can't say there are places that don't interest me, what I will say is that I favor places that like Americans.... I have traveled to most regions of the world and would have to say its quite rare that I have faced discrimination based on being an American from the locals. Often in well traveled loc...
by halfnine
Tue Dec 26, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11739

Re: European Cities that don't interest you

expat wrote:
Tue Dec 26, 2017 10:37 am
Swindon
Worth it for the laugh :D
by halfnine
Tue Dec 26, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: EU Passport For Cheap College and Other Benefits
Replies: 52
Views: 3481

Re: EU Passport For Cheap College and Other Benefits

Between us we have 4 citizenships in countries across 4 continents. Our children are eligible for three of them. My thoughts follow... There are only three real downsides. The first is global taxation which is only an issue for the US and Eritrea. The second is mandatory military service or potentia...
by halfnine
Tue Dec 19, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 5605

Re: Spending on myself, am I off base here?

There is always more to the story. However, I don't see any reason why you shouldn't have a discretionary amount of money to spend each year. And you should be able to spend it on whatever you want without spousal rejection/complaint unless it has a negative impact on the quality of family life. As ...
by halfnine
Tue Dec 19, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with money from grandparents for kids?
Replies: 31
Views: 1249

Re: What to do with money from grandparents for kids?

If I gave my grandkids $1k each, and then found out that my son-in-law had invested it in an account in his name "but really, I'm going to spend it on the kids, I just don't want them to control it yet" I'd be one unhappy camper. (or a camper, for you Jim Gaffigan fans) If you aren't comfortable wi...
by halfnine
Tue Dec 19, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4224

Re: "Breaking the seal" on more expensive travel

I am going to agree with a few others. A 7 day trip out to China is not worth the jet lag. There must be something in the Americas on your list that would be more reasonable for a 7 day time frame. Plus, China itself is worth way more than a 7 day journey.
by halfnine
Sun Dec 17, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity
Replies: 32
Views: 3809

Re: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity

I personally think a person should work their butt off for about 20 years before they get a sabbatical but maybe I am old school. At 30 you haven't even really worked that hard or made very much money yet (usually). I'd work another 10-15 years and work HARD! Earn your time off. While I agree peopl...
by halfnine
Fri Dec 15, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity
Replies: 32
Views: 3809

Re: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity

I took a year off to travel back before I met my spouse. A few years later took another year off and traveled with my spouse. And then we both took a year off after the birth of each child. Just do it. You won't regret it.
by halfnine
Fri Dec 15, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1722

Re: Japan in summer

A night in a Ryokan. Baseball, Sumo, and any festival.
by halfnine
Fri Dec 15, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Global nomad advice/newbie alert
Replies: 24
Views: 2313

Re: Global nomad advice/newbie alert

Unless, they don't let her renew her passport. Then she has a big problem unless she is a dual national. The IRS says this about revocation or denial of US passports: If you have seriously delinquent tax debt, IRC § 7345 authorizes the IRS to certify that debt to the State Department for action. Th...
by halfnine
Tue Dec 05, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Global nomad advice/newbie alert
Replies: 24
Views: 2313

Re: Global nomad advice/newbie alert

I won't rehash any of the previous points made. I will add one thing, though. If your spouse has some work history in the US it might be a good financial move for her to ensure 10 years of qualifying credit for Social Security benefits. US Social Security is one of the best deals going not only for ...
by halfnine
Tue Dec 05, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Global nomad advice/newbie alert
Replies: 24
Views: 2313

Re: Global nomad advice/newbie alert

Thanks for the perspective TedSwippet. Everyone is making a big fuss about it. Again I agree she should file, but the IRS won't ever pursue anyone who earns so little, and has no assets...... Unless, they don't let her renew her passport. Then she has a big problem unless she is a dual national. An...
by halfnine
Sun Nov 26, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 18304

Re: The fallacy of spending money on "experiences" vs hard assets

I have found that for me spending money on "hard assets" and on "experiences" both have had diminishing returns. However, spending money to buy time to spend with family and friends has not had diminishing returns.
by halfnine
Thu Nov 23, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 5215

Re: Do you include the sale of your home as part of your retirement planning?

My philosophy is to look at a 3.5% WR based on net worth instead of investments. And while a home would be included in net worth the imputed rent would also be included in expenses.
by halfnine
Thu Nov 23, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4338

Re: Public or Montessori Private School

We sent our daughter to Montessori school in Wisconsin for grades 2-8, after thoroughly researching the public schools in our area. While it was expensive, we do not regret it for a second. What the Montessori system excels at is instilling an intellectual curiosity and love of learning. From my da...
by halfnine
Fri Nov 10, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: In 40s and no retirement [US ex-pat in Brazil]
Replies: 28
Views: 3434

Re: In 40s and no retirement [US ex-pat in Brazil]

If you can "opt in" to social security for either you it will provide you the best longevity insurance around... Is this true? I haven't seen any comparison of ROI of contributing to social security vs. say taking what would have been contributions and investing it and then say buying an SPIA. And ...
by halfnine
Thu Nov 09, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: In 40s and no retirement [US ex-pat in Brazil]
Replies: 28
Views: 3434

Re: In 40s and no retirement [US ex-pat in Brazil]

If you can "opt in" to social security for either you it will provide you the best longevity insurance around. That is going to require at least 10 years of contributions. In a perfect world that would mean contributing from 52-62 (obviously sooner would be less risky though). And, in those circumst...
by halfnine
Thu Nov 09, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive house or condo as home base (MKE?)
Replies: 39
Views: 4297

Re: Inexpensive house or condo as home base (MKE?)

I'm currently living in an apartment rental in CA, and have inherited some money; on top of my retirement fund I have around $120k with a bit more on the way. I'm thinking about doing longterm traveling/being nomadic overseas, and I had the idea of getting an inexpensive condo or house, to store th...
by halfnine
Fri Nov 03, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 8104

Re: Does Retirement Make You Lazier?

I am not retired. However, in addition to many years spent working I have spent quite a few years not working as well. I did not find myself to be lazy in either of those instances. However, the times in which I have worked only part time I found myself to be quite lazy with the extra time.
by halfnine
Sat Oct 28, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 19829

Re: Early-retired 35 year old with $1 million

I don't think it's impossible for you to retire but I do think there are some risks that can be better avoided by working a bit longer. For longevity insurance, I'd certainly consider contributing enough to social security to get to the first bend point. It's possible you are there already. And, if ...
by halfnine
Wed Oct 25, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Planing Europe trip during Christmas, Eurorail pass or car rental
Replies: 16
Views: 996

Re: Planing Europe trip during Christmas, Eurorail pass or car rental

I am not sure what the train system is like these days, but when I traveled about Europe many ages ago I'd take the overnight sleeper trains. It frees up your time and while more expensive it does eliminate the cost of a night's lodging each time. Might have to rearrange the order countries are visi...
by halfnine
Mon Oct 23, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Expat mail forwarding mechanics
Replies: 7
Views: 1049

Re: Expat mail forwarding mechanics

Depending on the state you currently reside in, it might be beneficial to relocate your state domicile and US accounts to a no income tax state prior to leaving the country. Most of the mail forwarding services are located in no income tax states for this very purpose. You may very well want to keep...
by halfnine
Sat Oct 21, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR Rule in Other Countries
Replies: 29
Views: 2986

Re: 4% SWR Rule in Other Countries

That is indeed a good question... Check the last part of thIs blog entry (this uses a 70/30 asset allocation): https://finpage.blog/2017/03/25/investing-in-the-world-part-2/ Personally, I reached a few conclusions a while ago: - just looking at the US history is indeed narrow thinking and probably ...
by halfnine
Sat Oct 21, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 3188

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

I'd opt for redundancy wherever possible. There is an old saying that two is one and one is none. Water Treatment. I think there have been plenty of good options listed. I'd have a simple backup (possibly iodine, bleach) in case the first treatment system fails. I would opt against boiling as a eith...
by halfnine
Thu Oct 19, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 33
Views: 3292

Re: Grandparents want to give to grandkids

I don't want to come across as unappreciative but as someone who "paved" their own way without an inheritance along the way I feel that I have benefited tremendously relative to close friends who squabbled their inheritance and/or did not developer a proper work ethic in the real world. I am convin...
by halfnine
Wed Oct 18, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 37
Views: 1898

Re: Multi-currency accounts for US citizen

I can't see him not taking a haircut if attempting to deposit foreign cash or a foreign check whether he has a multi-currency account or not. He is going to have to make an electronic transaction if he wants to save on fees. Instead of a check he probably should have had the other party use Transfer...
by halfnine
Tue Oct 17, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2070

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Thanks again for suggestions. I will decide between a train and a car depending upon weather/time. I am thinking to rent a airbnb in Bonn for 5-6 days (2 bed 1.5/2 bathroom). Any thoughts? I was researching online found out that boots work well for winter vacation in EU (buy raincoats locally in EU...
by halfnine
Mon Oct 16, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Tanzania
Replies: 7
Views: 725

Re: Tanzania

I am in the early stages of planning a trip to Tanzania next year to hike Mt. Kilimanjaro then go on safari. A search of Bogleheads indicates that some posters have done this in the past, so I'm wondering if anyone has recommendations. What tour operator did you choose? Zara seems to be everywhere ...
by halfnine
Fri Oct 13, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 3457

Re: Gold ETF

If you don't have a foreign passport and foreign assets, I would treat a plan to relocate abroad as an exercise with a low probability of success with great risk. And the greater the crisis the lower the probability of it working out. Oh yeah. When your backup plan hits the point of "maybe there's ...
by halfnine
Fri Oct 13, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 3457

Re: Gold ETF

Valuethinker wrote: Most survivalists have no clue. You want to somewhere in the Great Plains and be a member of the state police or some equivalent voluntary local police force. I wouldn't be headed up the blue Nile in such a situation. I'd be buying a ticket on a boat to get to a neutral nation n...
by halfnine
Fri Oct 13, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2070

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

As to layering, I would only use multiple layers if planning on doing outdoor activities. But, if you are only planning on being in the cold as an interlude to spending time indoors, then wear whatever layering you would need to be comfortable inside and then one incredibly warm winter jacket for ou...
by halfnine
Wed Oct 11, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a new family home [Australia]
Replies: 19
Views: 2108

Re: Would you buy a new family home [Australia]

I am going to agree with Aloha Joe. As best I can tell you have a concentrated risk in housing right now and are underweight equities. Quickly and crudely your assets appear to be around 400K equity in property (at around 2x leverage) 250K in bonds (your offset account is similar to a bond) 150K in ...
by halfnine
Tue Oct 03, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Survivor Benefits
Replies: 21
Views: 3871

Re: Social Security Survivor Benefits

In researching I did find out that the windfall elimination provision does not affect survivor benefits. It only affects spousal benefits. So even though my mother was subject to a 50% reduction from WEP, my father's survivor benefits Will not be reduced by the WEP. That is my understanding as well.
by halfnine
Mon Oct 02, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'
Replies: 50
Views: 2895

Re: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'

I would say Mr. Buffett has a different idea regarding what investing is all about, specifically that it is a business enterprise and not how an individual goes about saving excess income for later consumption, aka retirement. As such his ideas of risk are not contradictory to n/a/w so much as orth...