Search found 866 matches

by HongKonger
Tue Dec 12, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 29
Views: 1821

Re: Paying contractors for incomplete work

What is a flapper?
by HongKonger
Tue Dec 12, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 32
Views: 3567

Re: Vanguard year end distributions - updated estimates

Really annoying they don't list them by ticker code. Like people remember the full name of their funds.
by HongKonger
Sat Dec 09, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5150

Re: Recommended places to live

Have you considered going back to Asia? Malaysia has good deals for expats wanting to live there. That does seem like an interesting thought for OP, aren't there places where one can live like a king comparable to the US? Seems would make travel back/forth to Japan much simpler. Absolutely no idea ...
by HongKonger
Sat Dec 09, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10261

Re: Save all this money, what do you splurge on?

Rescue animals
Power tools
Heirloom vegetable seeds
by HongKonger
Thu Dec 07, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5150

Re: Recommended places to live

Asthma is alleviated by humidity. My sister and I both suffered badly for decades until moving to Hong Kong. My mothers asthma is debilitating but improved massively each time she visited. Now we all live across Europe and it has returned for all of us. My Mum can barely walk 100 metres in Winter wh...
by HongKonger
Wed Dec 06, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6981

Re: Lowering My Grocery Bill

(You really keep track of cat food spending?) You don't??? :D $527 so far this year and counting.... I spend slightly more than that per month on cat food. My human food spend per month is around $80. My cat's food costs more than mine also, because he requires special food due to a medical problem...
by HongKonger
Tue Dec 05, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6981

Re: Lowering My Grocery Bill

Chip wrote:
Tue Dec 05, 2017 3:05 pm
squirm wrote:
Tue Dec 05, 2017 2:59 pm
(You really keep track of cat food spending?)
You don't??? :D

$527 so far this year and counting....
I spend slightly more than that per month on cat food.
My human food spend per month is around $80.
by HongKonger
Fri Nov 24, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 25
Views: 1133

Re: Slanting International geographically or regionally

I do.

I do a chunk of VXUS with a dash of VSS and a healthy side of the Hong Kong Tracker Fund (2800:hk), plus a good chunk of individual commercial Asian REITs.
by HongKonger
Sun Nov 19, 2017 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1345

Re: Southeast Asia trip - Cash handling

I was recently in China. Never used cash for anything. Everyone else was using various forms of paying with a cell phone, so they didn't use cash either. You know, like Apple Pay and the home-grown equivalents. So do SEA countries use cell phones for payments? There are systems like Hong Kongs Octo...
by HongKonger
Thu Nov 09, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Palma, Malta, Sicily, or Spain for winter break?
Replies: 18
Views: 1420

Re: Palma, Malta, Sicily, or Spain for winter break?

Sicily is most interesting imo out of those listed - plenty to see and eat, especially with the north African influence. Cyprus has nothing to see or do - its a summer/beach/drinking destination. Malta is pleasant enough and the strong Italian influence means good food. Canary Islands would be the s...
by HongKonger
Wed Nov 08, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Pricing a home addition
Replies: 7
Views: 743

Re: Pricing a home addition

Can you not just ask for a first fix cost per square metre?
by HongKonger
Wed Nov 01, 2017 5:59 am
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1154

Re: House - leaking chimney - thoughts?

ncbill wrote:
Tue Oct 31, 2017 7:21 pm
Chimney caps also rust-through - had that happen at several homes here in our neighborhood.
use terracotta or as they do where I live, four bricks and a paving slab :D
by HongKonger
Tue Oct 31, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1154

Re: House - leaking chimney - thoughts?

If the chimney doesn't have a cap, put one on. If the flashing is knackered, get it replaced (I question why copper when lead or tin are usually used). Look in your roofspace at the brickwork to see if it needs repointing. Hire a chimney sweep who can send a camera up to give you an opinion on your ...
by HongKonger
Sun Oct 29, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3310

Re: European Tours

I used to work for Globus/Cosmos taking tours around Italy - including Americans. I can highly recommend their itineraries, quality of accommodations and tour directors. Customer satisfaction was always very high.
by HongKonger
Sat Oct 28, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: What a future expat should NOT do?
Replies: 6
Views: 681

Re: What a future expat should NOT do?

Attempt to know the future.
Let anything stop them.
Plan too much.

Been an expat in 3 countries for 18 years now. No idea if this is my last stop. Portfolio held in 2 tax free countries plus country of residence and in 4 different currencies.
by HongKonger
Sat Oct 21, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Most reliable water shutoff valves? Plumbing question.
Replies: 23
Views: 2115

Re: Most reliable water shutoff valves? Plumbing question.

Globe valves are usually the master shutoff and ball valves shutoff individual outlets like toilet, sink, washer.
by HongKonger
Sun Oct 15, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2496

Re: Dental implants in Poland

Malo clinics are international. Dr Malo is a respected implant pioneer.
by HongKonger
Sun Oct 15, 2017 5:18 am
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2496

Re: Dental implants in Poland

I used to fly to Bangkok for dental and surgery. The dental clinic was staffed by Asian Americans who qualified in the US. The only clientele I ever observed were Brit and US expats. A return flight, 2 nights in a hotel and a filling or two was still cheaper than a single filling in Hong Kong! Priva...
by HongKonger
Thu Sep 28, 2017 6:18 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15700

Re: Why do you LBYM? Why do you save and invest?

I'm a simple guy with simple wants/needs. It's really that simple. Simple. That's a funny sounding word, isn't it? Same here. I would have to make a concerted effort to live above my means. I have just never really wanted stuff. I don't deny myself what I want but it just happens that it's never be...
by HongKonger
Sat Sep 23, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8895

Re: Age you retired

41 - four years ago. Single and childfree.
by HongKonger
Fri Sep 08, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10809

Re: Companies/Brands You Love?

Henkels
Fiskars
Stihl
Dr Bronners
Frette
Bang & Olufsen
Artemide
Cassina
Vitra
Boch & Villeroy
Park Hyatt
Aman
by HongKonger
Fri Aug 25, 2017 5:36 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10146

Re: Non-fiction bucket list

Nothing To Envy: Ordinary Lives in North Korea by Barbara Demick
The Meaning of the 21st Century, by James Martin
by HongKonger
Mon Aug 21, 2017 1:31 am
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 2790

Re: Possible January trip to Naples, Italy / Amalfi Coast

I lived in Sorrento and on Capri. January will be chilly and grey but my input would be to include Ercolano which has better artifacts than Pompeii. Take the Circumvesuviano train from Naples to Sorrento and explore there. From Sorrento you can get the public bus to Positano (its hair raising). Fro...
by HongKonger
Sun Aug 20, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 2790

Re: Possible January trip to Naples, Italy / Amalfi Coast

I lived in Sorrento and on Capri. January will be chilly and grey but my input would be to include Ercolano which has better artifacts than Pompeii. Take the Circumvesuviano train from Naples to Sorrento and explore there. From Sorrento you can get the public bus to Positano (its hair raising). From...
by HongKonger
Tue Aug 08, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Can you buy LSE listed stock from HSBC
Replies: 5
Views: 538

Re: Can you buy LSE listed stock from HSBC

IB vs HSBC was the same choice for me. I liked that I didn't need to mess about with transferring money in and out with HSBC so dividends go straight into my account which pays my credit card and I can buy on a whim without delay from my bank account. Premier status means branch visits are not too a...
by HongKonger
Sun Aug 06, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can you buy LSE listed stock from HSBC
Replies: 5
Views: 538

Re: Can you buy LSE listed stock from HSBC

In HK I can only access US stocks and those listed on the Hang Seng.
Where is your premier account held? Why not live chat with your wealth manager online and ask them?
by HongKonger
Sun Aug 06, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Can you buy LSE listed stock from HSBC
Replies: 5
Views: 538

Re: Can you buy LSE listed stock from HSBC

I do through HSBC Hong Kong but US share purchases are not through regular Stock Express unless you have signed the forms. Go into a branch - it takes 2 mins for the paperwork.
by HongKonger
Wed Aug 02, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 26293

Re: How much money do you need to retire?

Since I am already retired, I know how much I need and that is what I have :sharebeer . When I retired in 1998 at age 65 my figure was $650,000 living off of that and SS (no pension). The abode was paid for. With inflation added in, that would be $977,000 in 2017 dollars. Guess what? That is damn c...
by HongKonger
Mon Jul 31, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 3085

Re: Filling bookshelves cheaply

Get doors put on them.
by HongKonger
Tue Apr 11, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 5682

Re: Gardening 2017

Started sowing in modules 2 weeks ago: 2 varieties sweet peppers 4 varieties heirloom toms Aubergine Cucumber Broad beans Canellini beans Greek Gigante beans Zucchini Butternut squash 3 types of pumpkin Radicchio Broccoli Pak Choi Root Parsley This week is prepping beds to direct sow: carrots, beets...
by HongKonger
Thu Mar 16, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: How do international ETFs work if they are open during US hours but international markets aren't?
Replies: 23
Views: 2323

Re: How do international ETFs work if they are open during US hours but international markets aren't?

Doc wrote:I never could deal well with Europe times. About 1:00 to 2:00 Eastern time the European markets are closing. Do they do daylight saving time in Germany?


Yes they do - it changes with the rest of Europe on March 26.
by HongKonger
Thu Mar 02, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 18739

Re: Possibly Financially Independent and Feeling Miserable

Don't feel alone....google Obsessive Compulsive Personality Disorder (OCPD). I would guess that a lot of people here have this...I do! Having just found out about this a week ago and realizing it was me to the letter, I thought the same when I read the OP. To the OP, I'm coming up on 45 and retired...
by HongKonger
Wed Feb 22, 2017 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Can't automatically reinvest dividends?
Replies: 3
Views: 796

Re: Can't automatically reinvest dividends?

I have all ETFs and no option to automatically reinvest dividends. Plus 80% of my holdings cannot be purchased by the single share but in minimum block sizes of 100s or 1000s. I currently live off my dividends but previously, like you mentioned, used to let them accumulate and then dump the chunk ba...
by HongKonger
Sat Dec 31, 2016 2:40 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289642

Re: What are you up YTD? [Year To Date]

14.62%
No additions and all dividends taken in cash.
by HongKonger
Thu Dec 15, 2016 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF's for non-US tax payer [Hong Kong]
Replies: 7
Views: 1051

Re: Vanguard ETF's for non-US tax payer [Hong Kong]

Who is your broker ? Unless you can be bothered transferring money in and out of brokerages like IB then Ireland and Luxembourg are out.

Search the forum for my previous thread on Vanguard HK ETFs vs US version. I hold both 3140 and VTI and personally prefer VTI.
by HongKonger
Sat Dec 10, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 3562

Re: travel to Istanbul

I live in a neighbouring country. You could not pay me to go there.
by HongKonger
Fri Dec 02, 2016 3:21 am
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 70
Views: 9548

Re: Gift To Self

A food dehydrator to move me to the next level in my countdown towards food self sufficiency.
I have spent months carefully assessing my food (and seed) preservation needs so I'm 100% happy with my gift to myself.
by HongKonger
Fri Sep 30, 2016 5:20 am
Forum: Investing - Theory, News & General
Topic: Cash+Stocks Retirees, We Need To Talk!
Replies: 36
Views: 4467

Re: Cash+Stocks Retirees, We Need To Talk

75% shares 25% term deposits no SS or pension forthcoming ever Dividends and interest automatically paid into current account used for living expenses. I don't withdraw from share account. Term deposits equal 10 years expenses to hopefully bridge any crash through to recovery. No formula for determ...
by HongKonger
Thu Sep 29, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: Cash+Stocks Retirees, We Need To Talk!
Replies: 36
Views: 4467

Re: Cash+Stocks Retirees, We Need To Talk

75% shares 25% term deposits no SS or pension forthcoming ever Dividends and interest automatically paid into current account used for living expenses. I don't withdraw from share account. Term deposits equal 10 years expenses to hopefully bridge any crash through to recovery. No formula for determi...
by HongKonger
Wed Sep 14, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 21307

Re: Retirement: Where $200K Will Last 30 Years

I've been an expat in Asia and Europe for nearly 20 years and retired very early 3 years ago as an expat to a completely new country in SE Europe where living is beyond cheap. I was reading the thread consecutively and did not see your post before I did mine. In the SE Europe, Bulgaria and Macedoni...
by HongKonger
Sat Aug 27, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 21307

Re: Retirement: Where $200K Will Last 30 Years

I worked in Europe and Latin America for a long time, and will probably retire somewhere in Latin America in a few years. For me, the combination of living well on less money, and enjoying warm, sunny weather year-round is appealing (I hate winter). I also find it comforting that, in a place I migh...
by HongKonger
Tue Apr 26, 2016 4:26 am
Forum: Personal Finance (Not Investing)
Topic: If not Children - Who/What Leave Estate To?
Replies: 27
Views: 3478

Re: If not Children - Who/What Leave Estate To?

My estate will be used to cover the care of any pets that outlast me.
by HongKonger
Wed Apr 06, 2016 4:01 am
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 8863

Re: led vs cfl

Ive been 100% led for about 6 or 7 years. Still not had to replace a bulb. No getting hot in the kitchen. CFL was a disaster - Hong Kong just leapfrogged them altogether.
by HongKonger
Sat Apr 02, 2016 1:39 am
Forum: Personal Consumer Issues
Topic: Name one good, Name one bad thing YOU experienced [that saved money]
Replies: 37
Views: 3809

Re: Name one good, Name one bad thing YOU experienced [that saved money]

SouthernCPA wrote:
HongKonger wrote:Good: Never had a child so saved myself loads.

Bad: Never married or cohabited so always had to pay the full whack of rent/mortgage and bills.


This sounds like a terribly lonely way to live...

Not all women dream of weddings and babies. Alone - yes. Lonely - never.
by HongKonger
Fri Apr 01, 2016 2:23 am
Forum: Personal Consumer Issues
Topic: Name one good, Name one bad thing YOU experienced [that saved money]
Replies: 37
Views: 3809

Re: Name one good, Name one bad thing YOU experienced [that saved money]

Good: Never had a child so saved myself loads.

Bad: Never married or cohabited so always had to pay the full whack of rent/mortgage and bills.
by HongKonger
Sun Mar 20, 2016 4:35 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 97
Views: 14055

Re: Early Retirees - What triggered you to retire?

I was 40 when my 48 yr old sister had a suspected heart attack. The following month I spent 2 weeks waiting for test results for a rare cancer that would have given me at best 20 months to live. The month after that my stepfather died suddenly within months of retirement. I realised that life is not...
by HongKonger
Thu Mar 10, 2016 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 13624

Re: Do most of you plan to retire "full-time"?

As a "certified INTJ" (tested more than once during my working years), I would have to agree. I had a career in the IT field for decades - even before it was known as IT . In some of my later career positions, I had to really put myself out there, even though I had to struggle to "pu...
by HongKonger
Wed Mar 09, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 5972

Re: What are you frugal with, what are you not but still buy?

I'm 3 years into ERE so I'm super frugal with everything ...but not when it comes to cookware, kitchen knives, linens & towels. Oh, I'm a sucker for designer lighting too - but that holds it's value. These things make my everyday feel luxurious.