Search found 896 matches

by HongKonger
Thu Feb 22, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 142
Views: 6390

Re: What UN-frugal thing do you do?

I spend good money on the very little everyday things that make my day to day experience feel more special. I save up a lot to buy these things and always push myself to go one cost bracket higher than I really want to. I also fund my own cat rescue and care for around 45 cats. And I have a penchant...
by HongKonger
Wed Feb 21, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4262

Re: Expat Living

jminv wrote:
Tue Feb 20, 2018 12:12 pm
Last of all, don't be that American that takes up a phony sounding local accent after a short time! It's irritating, people notice, and comment accordingly.
Lol. And please turn the volume down when you talk. It's irritating, people notice, and comment accordingly.
by HongKonger
Wed Feb 21, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2382

Re: frustrated with patek philippe poor service

I don't see this as slack service at all. It is a luxury brand, not a conveyor belt product. They probably imagine you are wearing you L&S/Audemars in the meantime, lol.
If you want to maintain it's value, I would not have it serviced by another watchmaker. Service history is important.
by HongKonger
Wed Feb 21, 2018 2:47 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4262

Re: Expat Living

20 years an expat - Italy, Hong Kong, and retired to Bulgaria. Some people are global citizens and some people are just not. You need to try it out I think in order to find out. If you get an urge to visit 'home' within the first year, it's probably not for you. All the focus that people from the US...
by HongKonger
Tue Feb 20, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 52
Views: 5583

Re: Staying Motivated: How do you ward off hopelessness?

I throw myself a pity party. Then I remind myself that there are many people much, much worse off than myself. Then I mentally kick my own arse, put my big girl pants on, and remind myself that no one is going to save me but myself. There are much bigger things in this world than my little life to d...
by HongKonger
Sat Feb 17, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: GMO forecast
Replies: 17
Views: 1597

Re: GMO forecast

Maybe that's why they saw outflows of 34% last year.
by HongKonger
Sat Feb 17, 2018 3:05 am
Forum: Investing - Theory, News & General
Topic: GMO forecast
Replies: 17
Views: 1597

Re: GMO forecast

GMO are permabears. I don't think predicting the tech meltdown a decade in advance or the 08/09 crash a decade in advance makes you a legend in calling the market personally. But do I think US equities are overvalued, yes. Do I personally think there will be a good run up before the next crash, yes....
by HongKonger
Fri Feb 16, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 436
Views: 34460

Re: What frugal thing did you do today?

I hit my target of 180 meals in the freezer - all cooked from scratch using produce grown in my garden. I also bartered some nuts and fruit from the garden that I had in the freezer in return for some cookies. Do you want to share any of your recipes? I am in awe, by the way. :happy I'm vegan and m...
by HongKonger
Thu Feb 15, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Do you currency hedge Int'l?
Replies: 18
Views: 842

Re: Do you currency hedge Int'l?

I don't really know what I do. I hold equities in HK$ and US$ and fixed income in US$, Euro and my local currency. The HK$ is pegged to the US$. My local currency is pegged to the Euro. I spend, and buy and sell currency, when the exchange rate is favourable to whatever direction I am going in. 7 ac...
by HongKonger
Wed Feb 14, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 436
Views: 34460

Re: What frugal thing did you do today?

I hit my target of 180 meals in the freezer - all cooked from scratch using produce grown in my garden.
I also bartered some nuts and fruit from the garden that I had in the freezer in return for some cookies.
by HongKonger
Wed Feb 14, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 80
Views: 8994

Re: Can someone help me explain to my wife...?

Her crystal ball is clearly better than everyone else's. Please ask her for the next Euromillions lottery numbers for me.
by HongKonger
Wed Feb 14, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick
Replies: 14
Views: 922

Re: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick

Just a random data point but my 2013 Sorento has been disappointing. Have put in $3000 in repairs from starting at 100K miles to 120Kmiles and drives raggedy with multiple new issues that have not got fixed yet. Also the older generation of Sorentos (model years <2010) seemed to have pretty much va...
by HongKonger
Wed Feb 14, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: C-Suite etiquette advise needed
Replies: 27
Views: 3660

Re: C-Suite etiquette advise needed

In my former life I used to organise very high end dinners and events for senior bods. Please tell the organiser asap about your requirements as my experience is that Chefs get very unhappy if they are not given time to create something of an equally high standard for all guests. I made the rookie m...
by HongKonger
Tue Feb 13, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 133
Views: 9521

Re: What big item (>20k) are you saving up for?

A fair sized home extension with a sexy glass box/courtyard affair linking it to my house. It cost the amount of money my portfolio just dropped by. Bugger.
by HongKonger
Sun Feb 11, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9292

Re: Single People and Retirement Question

Never married and don't plan on partnering. Retired early. Single the whole time. LOVE it! I don't have to consider anyone else in anything I do, or plans I make. I'm certainly never lonely.
by HongKonger
Sun Feb 11, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4892

Re: how did you determine your risk tolerance?

I paid for an extensive online test.
I set my AA where it said I should.
I have slept well since.
by HongKonger
Sat Feb 10, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6308

Re: Financially secure, horrible workplace but just can't FIRE

I don't think retirement feels like you think it will and you don't know how it feels until you do it. It certainly is not finish work on a Friday and on Monday you are eating bon bons on the sofa watching daytime tv. It takes quite a good while for it to actually sink in by which time you have foun...
by HongKonger
Thu Feb 08, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7399

Re: How to deal with regret

My best friend lump summed her entire life savings into the market 10 days ago. She is 60. I have forbidden her from looking at the figures or listening to the news until I tell her. Remember that you have not incurred any losses until you actually sell. Be grateful you have cash enough that you don...
by HongKonger
Sat Feb 03, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: John Bogle and Japanese Stock market.
Replies: 33
Views: 3044

Re: John Bogle and Japanese Stock market.

Regarding international business, you can also argue that you get exposure to the US through business foreign companies do here. I think this often. How many of the top black goods and white goods or cars sold in the US are actually US brands? Why wouldn't you want to own them. Very odd. Same goes ...
by HongKonger
Sat Feb 03, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7913

Re: I have an overwhelming gift I'm in need of help of please.

I'm sorry for the loss of your father. I hope your Mum is doing ok and that she too takes her time to fathom the best way to handle the finances. I am in the park it and take your time camp. Paying off the house might be tempting but so too is spending what would have been the repayment every month ...
by HongKonger
Thu Feb 01, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: International Real Estate Funds
Replies: 3
Views: 342

Re: International Real Estate Funds

I am a fan of Asian REITs - especially commercial. Shopping malls over there are not failing anytime soon!
by HongKonger
Thu Feb 01, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: Living on Dividends and Interest
Replies: 58
Views: 7453

Re: Living on Dividends and Interest

Not everyone in the world pays tax on dividends or on capital gains. Not everyone in the world has very low transaction costs. Not everyone in the world can sell or buy in anything other than 'board lots'. Not everyone in the world has automatic reinvestment of dividends available to them. Just sayi...
by HongKonger
Thu Jan 25, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 11892

Re: Kitces article: A cash bucket in retirement? Nope

I also hold 10 Years (25%) in cash (Various length term deposits in multiple currencies). Dividends and interest roll in, I spend it. I watch my portfolio of ETFs doing what it does. I sleep well. 10 years of cash and only 25% of your portfolio implies a 2.5% spend rate. At that low a rate there's ...
by HongKonger
Wed Jan 24, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 48
Views: 3066

Re: Using disinfecting wipes to clean surfaces

I lived in Hong Kong during the 2003 SARS crisis where, as the global epicentre of the disease, we had it drummed into us that "1 to 99" should be used to clean everything (1 part bleach to 99 parts water). I go through a pack of 100 disinfectant wipes each week, sometimes two, in addition to using ...
by HongKonger
Wed Jan 24, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 11892

Re: Kitces article: A cash bucket in retirement? Nope

I have a full FIVE YEARS of net spending requirement (difference between annual spending and income) in VG Prime MM and Ultra Short. Zero in bonds. All the rest in broad market stock index funds. This strikes me like going to a tennis match, watching the ball go back and forth with no personal stak...
by HongKonger
Tue Jan 23, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Currency Exchange - Living Internationally Off A US Dollar Portfolio
Replies: 14
Views: 623

Re: Currency Exchange - Living Internationally Off A US Dollar Portfolio

I convert my US dividends twice a year into the currency/country where I bank/invest through and use it to pay my credit card. My fixed income I hold in my country of residence across 3 currencies in different banks to ensure insurance coverage. I have 10 years expenses in fixed income so live off i...
by HongKonger
Tue Jan 23, 2018 5:27 am
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8099

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Family members suddenly dying, having died or having an uninsured accident in another country. This has happened three times to me. When you in a 'jump on the next plane' situation, having a chunk of cash alleviates a lot of having to think. Not everywhere accepts credit cards and cash speeds things...
by HongKonger
Sat Jan 20, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 3296

Re: What's your annual cost of living (expenses)?

8k
Not Married
40 cats
VLCOL

Would less than half that amount if it weren't for the cats
by HongKonger
Wed Jan 17, 2018 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 1680

Re: Investing Windfall (no country bias) [Non-US]

Where do you hold perm res/ right of abode? Invest through the country with no cap gains or dividend tax. I'm in a 3rd country and maintain an address in a no tax country where I invest from. A return flight every 3 years to maintain perm res status is worth it. Plus the currency is pegged to the do...
by HongKonger
Wed Jan 17, 2018 3:55 am
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4626

Re: Anyone pondering moving to a cheaper place and downsizing?

I did it nearly 5 years ago from SE Asia to Eastern Europe. Appreciation on my 296 sq ft apartment was about 10 years living expenses so I looked for cheaper places to live and found where I am now. I encounter many expats who moved here just because of the low cost of living and they seem to just d...
by HongKonger
Tue Dec 12, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 32
Views: 2591

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: 77
Views: 10814

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: 5583

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 Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17339

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: 5583

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: 7617

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: 7617

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: 1266

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: 1488

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: 1561

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: 827

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: 1287

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: 1287

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: 3828

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: 854

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: 2330

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: 2676

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: 2676

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...