Search found 1053 matches

by HongKonger
Fri Aug 17, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2235

Re: Info on Al-Farabi Kazakh National University

Has he ever traveled outside the US? I have, to include eastern europe....not a place for a young impressionable mind much less one seeking higher education. I live in Eastern Europe. It is a flourishing region with many forward thinking individuals and investors doing some very interesting work. I...
by HongKonger
Wed Aug 15, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1469429

Re: U.S. stocks in freefall

Are people buying for a dollar of earnings or a castle in the air?
by HongKonger
Wed Aug 15, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 120
Views: 10627

Re: As an American, where are some great places in the world to retire?

It is incorrect to assume that with EU residency or citizenship you automatically get free healthcare across the EU. You have to show proof of health insurance to gain residency - whether by private insurance, proof of cover from a country that has a reciprocal agreement, or paid up state healthcare...
by HongKonger
Tue Aug 14, 2018 3:27 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24285

Re: most compelling TV character ever

Frank Underwood - House of Cards Saga Noren - Bron/Broen 2 good choices. I loved the Saga Noren character on "The Bridge". Great show. I would have to put Claire Underwood right along side Frank Underwood. It will be interesting to see how they wrap the show up in Season 6. Well there's no Frank in...
by HongKonger
Mon Aug 13, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can the greedy 'Private Bank' make any money off my index funds?
Replies: 21
Views: 2104

Re: Can the greedy 'Private Bank' make any money off my index funds?

Do they charge a handling fee at dividend time? Do they have a quarterly or annual holding fee?

If you are not paying - you are the product. Databases of HNWI are big business. :beer
by HongKonger
Fri Aug 10, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24285

Re: most compelling TV character ever

Frank Underwood - House of Cards
Saga Noren - Bron/Broen
by HongKonger
Thu Aug 02, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11850

Re: Joint Ownership of home with second wife

So this childfree woman has already been cast as the wicked stepmother and yet it has also been stressed that she must come lower down the OPs list of priorities than his kids. She will also be aware that she will play second fiddle to the ex who will forever pull the strings too. Hmmm. An intimate ...
by HongKonger
Thu Aug 02, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6065

Re: Hold one stock 25 years

As the saying here goes about gambling on single stocks, I bought the casino instead. Literally. I purchased shares of Las Vegas Sands Corp China at IPO nearly 10 years ago with the view of holding forever...I figured if you had bought Vegas when it launched and held for a few decades, you would hav...
by HongKonger
Fri Jul 27, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: First Time UK Investor
Replies: 25
Views: 1265

Re: First Time UK Investor

As a fellow Brit (although residing in EU27) I would seriously question holding 15% UK given what is just around the corner. Of the FTSE 100, roughly 60-70% of profits are earned outside the UK. Thus, a 10% fall in GBP sterling, as we saw immediately after the Brexit vote, leads to a roughly 6-7% r...
by HongKonger
Fri Jul 27, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: First Time UK Investor
Replies: 25
Views: 1265

Re: First Time UK Investor

As a fellow Brit (although residing in EU27) I would seriously question holding 15% UK given what is just around the corner. Of the FTSE 100, roughly 60-70% of profits are earned outside the UK. Thus, a 10% fall in GBP sterling, as we saw immediately after the Brexit vote, leads to a roughly 6-7% r...
by HongKonger
Thu Jul 26, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: First Time UK Investor
Replies: 25
Views: 1265

Re: First Time UK Investor

As a fellow Brit (although residing in EU27) I would seriously question holding 15% UK given what is just around the corner.
by HongKonger
Thu Jul 26, 2018 3:58 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and order of deaths
Replies: 49
Views: 2923

Re: Inheritance and order of deaths

I just experienced scenario 1. My Grandmother died and everything went to her husband with nothing to their two children. Then my Grandfather died not long after and the estate was split 50/50 between their two children. As one of their children (my father) died many years before his parents, his 50...
by HongKonger
Thu Jul 26, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: If financial markets shut down, temporarily...
Replies: 42
Views: 3026

Re: If financial markets shut down, temporarily...

There would be a run on banks, surely. Look at Greece a few years ago when ATM withdrawals were severely limited. Where I live, very few people have credit cards and cash is de rigeur for 95% of transactions so myself and everyone I know I know keeps a month or two of expenses at home in case either...
by HongKonger
Wed Jul 25, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: Is "tax alpha" a thing?
Replies: 2
Views: 438

Re: Is "tax alpha" a thing?

Tax is not an issue for me. I buy and hold because I don't have a functioning crystal ball.
by HongKonger
Mon Jul 23, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353425

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

-0.14%
40% US / 60% RoW
by HongKonger
Thu Jul 19, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2401

Re: What is the most severe hyperbolic discounting you have ever acted on?

The only thing I can recall having to have right that minute was a pair of high end designer boots that cost 2 months mortgage repayments. They still look fabulous 8 years later and I still love wearing them. I don't ever impulse buy but I oddly didn't even have to rationalise this one time to myself.
by HongKonger
Tue Jul 17, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10180

Re: Amazon Prime Day 2018

Insta-pots are $58.
by HongKonger
Tue Jul 17, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15811

Re: New book based on Millionaire Next Door

I loved the Millionaire Next Door, which I picked up in an airport bookstore. I left it behind in a guest room of a relative I was concerned about, um, on purpose, hoping it would inspire more frugal habits. I never asked about it afterward, but I did notice some behavioral changes during the follo...
by HongKonger
Sun Jul 15, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5746

Re: Is expensive olive oil worth it?

Op, the two olive oils you list in your cupboard, berio and Bertolli were the subject of class action suits for labeling olive oil extra virgin but in fact, they were not. In general, I think one has a better chance of purchasing real olive oil if you stay away from Italy. Greece and Spain for inst...
by HongKonger
Sat Jul 14, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14134

Re: Early retirement

Retired 5 years ago at 40. No one has ever passed any comment other than well done. I am guilty of feeding into people's mental narrative that I must either be a tree hugging trustafarian or an eccentric secret millionaire - just for my own fun though because it appears that being an unmarried, chil...
by HongKonger
Fri Jul 13, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5746

Re: Is expensive olive oil worth it?

Thanks for the responses! Lots of good information to consider! Hopefully I can avoid the counterfeit products. Olive oil has a pretty low smoke point, so high-heat cooking probably robs it of the flavors, etc that presumably one would be using it for. That's mostly the type of cooking I do lately,...
by HongKonger
Fri Jul 13, 2018 3:45 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5746

Re: Is expensive olive oil worth it?

Thanks for the responses! Lots of good information to consider! Hopefully I can avoid the counterfeit products. Olive oil has a pretty low smoke point, so high-heat cooking probably robs it of the flavors, etc that presumably one would be using it for. That's mostly the type of cooking I do lately,...
by HongKonger
Thu Jul 12, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5746

Re: Is expensive olive oil worth it?

Yes. There is a huge difference between the oil you put in food (NEVER fry with) and the oil you drizzle over food (or dunk your bread in). Decent producers usually have QR codes on that will give you all the details you need to decide - single source, first press, geographical and terrain info. It ...
by HongKonger
Sun Jul 08, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14881

Re: How to "retire" in your 30's article

Any suggestions on what to tell/write as 'Occupation' when you are FI and working selectively? I currently mention IT Consultant - I am freelancing but may take a job/assignments/small business - whatever I can work on. I find this as a problem as people think you are lazy/unemployed - no one can f...
by HongKonger
Sun Jul 08, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5800

Re: Girls and investing

Don't underestimate 7/8 yr olds. My sister and I used to play a game with her daughter when she was around the same age based on looking at advertisements and asking her did she like the ad and why and what was being sold and how. She's 16 now and sees right through brand BS - ergo, is not a slave t...
by HongKonger
Sat Jul 07, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3664
Views: 1039667

Re: What Movie Have You Recently Watched?

The Prize Winner of Defiance, Ohio.
Based on a true story, a gritty tale of one married woman's survival with 10 kids and a deadbeat husband. Fantastic acting by Julianne Moore, and Woody Harrelson is practically unrecognisable. Worth a watch if you like a nice proper story.
by HongKonger
Sat Jul 07, 2018 1:35 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14881

Re: How to "retire" in your 30's article

I don't understand this concept of retiring in your 30s with a bare bones minimalist lifestyle.... My philosophy is to cut expenses to the bone on stuff I don't care about in order to be able to have extra money to spend on what I do enjoy. Did you ever think that some people don't care about so ma...
by HongKonger
Thu Jul 05, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4217

Re: Monthly Water Usage

500-750 gallons per month. One person household.
by HongKonger
Tue Jul 03, 2018 3:29 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 29
Views: 4189

Re: Relocating to Berlin upon retiring. Please critique my plan.

Open a USD bank account in Germany and transfer straight across. Be prepared for lots of anti money laundering declarations to be completed.
by HongKonger
Mon Jul 02, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3352

Re: International Vacation Ideas

Self drive safari/tour through Namibia.

Cambodia/ Laos/ Myanmar.

Georgia/ Armenia/Azerbaijan.
by HongKonger
Mon Jul 02, 2018 2:02 am
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4946

Re: Do you own just 5% of anything?

US SCV - 5%
US Mega Cap Growth - 5%
All World Ex US SCV - 5%
by HongKonger
Fri Jun 29, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2862

Re: Ductless Mini Split AC

Window ac can be noisy. If you have ceiling fans and a reluctance to close windows why not just try a portable dehumidifier first. Its often the stickiness that is more unbearable than the heat and with ceiling fans, the breeze and cool air should be plenty. Much more energy efficient too. You can w...
by HongKonger
Wed Jun 27, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Vintage brands
Replies: 15
Views: 1483

Re: Vintage brands

Fiskars - dates back to 1649.
by HongKonger
Mon Jun 25, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Charity giving how much? How much do other retirees give?
Replies: 44
Views: 4030

Re: Charity giving how much? How much do other retirees give?

Zero to actual charities but 80% ish of my monthly expenses is on food and meds for stray, street and rescue cats in my care.
by HongKonger
Mon Jun 25, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12115

Re: When did you start flying business class?

Depends on the carrier. Some airlines like Qatar have a great economy product. Others not so much. Also the aircraft itself makes a difference too - I'll take a 380 over a 747 any day. Well you are in luck as 747s are being phased out everywhere except for cargo duty. The real problem is airlines l...
by HongKonger
Mon Jun 25, 2018 2:11 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12115

Re: When did you start flying business class?

Depends on the carrier. Some airlines like Qatar have a great economy product. Others not so much. Also the aircraft itself makes a difference too - I'll take a 380 over a 747 any day. I started flying business in my late 20s. I personally find that on long haul I'm not fussed because they are overn...
by HongKonger
Mon Jun 25, 2018 1:28 am
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 3692

Re: Front load washer gross moldy gasket

Really odd that you only ever hear this complaint from people in the US and yet front loaders are all we have ever had since the 70s in Europe and I've never read anyone say the same. I wonder about the formulations of washing powders/liquids and the placement of machines in basements as opposed to...
by HongKonger
Sun Jun 24, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 3692

Re: Front load washer gross moldy gasket

Really odd that you only ever hear this complaint from people in the US and yet front loaders are all we have ever had since the 70s in Europe and I've never read anyone say the same. I wonder about the formulations of washing powders/liquids and the placement of machines in basements as opposed to ...
by HongKonger
Sun Jun 24, 2018 1:08 am
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2806

Re: Cheap simple tablets?

All the 70yrs plus non tech savvy people I know go for the kindle fire - its cheap enough that they aren't scared to use it in case they 'break it' and it is simple and more than sufficient for email, web browsing, voip/webcamming family and watching catchup tv.
by HongKonger
Sat Jun 23, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21112

Re: Can you retire on $2M?

I have a rhetorical question. Why would anyone want to "retire" at age 40? What possibly would you do with all that time (that doesn't cost a lot of money)? Because when I turned 40 I saw my older sister hitting 50 have a suspected heart attack, my stepfather drop dead 6 months into retirement and ...
by HongKonger
Fri Jun 22, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21112

Re: Can you retire on $2M?

Its more than double what I retired on 5 years ago aged 40, so I would have to say yes, it can certainly be done.
by HongKonger
Fri Jun 22, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8639

Re: gray hair

People who dye their hair are not really fooling anybody. I don't know what I was thinking all those years. It's like wearing a toupee. There's a lot to be said for being who you are. I have never understood this double standard - if a woman is going bald or is bald and wears a hairpiece or wig, no...
by HongKonger
Wed Jun 20, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 2234

Re: Storing Sustenance for Disasters

I'm not a prepper either but I keep 6-8 months worth of food and household supplies on hand and emergency supplies specific to various combinations of loss of water/gas/electricity. Some people are bug out, but I am bug in. Prepper sites are too wild for me so I gleaned info from 'pantry management'...
by HongKonger
Wed Jun 20, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 2234

Re: Storing Sustenance for Disasters

You may want to check out Thrive Life. Also, you can buy packs from LDS canneries - they do like 2 people for 6 months or family of four for a month etc etc.
by HongKonger
Tue Jun 19, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8639

Re: gray hair

Get a sharp haircut. Silver Fox ;-)
by HongKonger
Tue Jun 19, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8878

Re: Help Buying Mens Shoes for Work and Dating

... guys judge other guys by their watch or their car. ... My co-workers don't know what kind of car I have or whether I have a car. I don't bring my car to work. ... I believe many of you talk about your wives not noticing such things. Try talking to some 30 something single gals in the market for...
by HongKonger
Mon Jun 18, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8878

Re: Help Buying Mens Shoes for Work and Dating

I think HongKonger's perspective is a lot less common than she thinks. I agree. Superficial people usually are not aware that they are superficial. I believe many of you talk about your wives not noticing such things. Try talking to some 30 something single gals in the market for a serious chap.
by HongKonger
Mon Jun 18, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8878

Re: Help Buying Mens Shoes for Work and Dating

I have ditched dates based on footwear. It speaks volumes about a man. All my female friends say the same and none of us is exceptionally picky or high maintenance. Its like guys judge other guys by their watch or their car, women judge other women by shoes and bags. OP - go the whole hog and buy a ...