Search found 1723 matches

by kramer
Thu Jun 06, 2019 11:00 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 4649

Re: June 6, 1944 D Day and General Patton

I was sad today thinking about it. I never got to meet my great uncle "Kramer" who died one month into this campaign and is buried in France. Thank you, sir, for your sacrifice. And thanks to the sacrifice of so many who saved our civilization so that we have our liberty. We owe it to them to rememb...
by kramer
Wed Jun 05, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 8309

Re: Favorite youtube channels?

If you speak Spanish: Luisito comunica Over 23 million subscribers and in a short period of time Luisito has become one of the most famous people in Latin America thanks to his success with this channel. A combination of interesting travel videos around the world and videos about Mexico. He is truly...
by kramer
Mon Jun 03, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit Limitation Explained
Replies: 12
Views: 1146

Re: Foreign Tax Credit Limitation Explained

Don't forget that you can look back one year for the foreign tax credit (besides carry forward 10 years). In my first full year of early retirement, I paid zero income taxes (all my income above the standard deduction was capital gains and qualified dividends). However, I ended up getting a four fig...
by kramer
Mon Jun 03, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit Limitation Explained
Replies: 12
Views: 1146

Re: Foreign Tax Credit Limitation Explained

Bogleheads poster Magellan had warned about this cliff a few years ago and I took careful notice at that time. Thanks for posting this here. Personally, I normally lose around 60% of my foreign tax credit for other reasons. As a retiree not yet on Social Security, my tax rate is generally quite low,...
by kramer
Sun Jun 02, 2019 12:46 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4599

Re: Santa Fe real estate

My friend was visiting Santa Fe last month (May) and it snowed.
by kramer
Sat Jun 01, 2019 12:16 am
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 3422

Re: 23 and me vs. ancestry- thoughts?

Only a couple of people in my extended family have done genetic testing, of which I am aware, one on each side. There was a serendipitous outcome. It turns out that my Grandmother's Aunt and her husband-to-be had a child very young that they gave up for adoption -- it wasn't a total secret, a few fa...
by kramer
Thu May 23, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3455

Re: What computer to buy for snowbird

Just a quick note, Surface Pros had a bad reputation for reliability, presumably from trying to pack so much into so small of a form factor, way more so than an ordinary laptop (at some point a number got out of the percentage returned for defects and it was high --- they have improved since then). ...
by kramer
Thu May 23, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Do you think we can stop funding our 529 plan?
Replies: 41
Views: 3164

Re: Do you think we can stop funding our 529 plan?

Also, something to consider is letting the children pay part of their own tuition and expenses so they have some skin in the game. What part of “we’d like to fund 100% of the cost” did you not understand? What is with this pre-occupation of having kids be burdened with debt on this forum? Kids have...
by kramer
Thu May 23, 2019 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Do you think we can stop funding our 529 plan?
Replies: 41
Views: 3164

Re: Do you think we can stop funding our 529 plan?

Also, something to consider is letting the children pay part of their own tuition and expenses so they have some skin in the game.
by kramer
Tue May 21, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 3096

Re: Best SIM card for travel in Europe?

I have T-Mobile and in London the service was pretty bad IMO. Had 3G which was not very good. I paid 10 quid and got a nice unlimited SIM for 3 days. Most places in Europe have phone stands to sell you cheap SIMs like this. Yes, this is another good point about lesser service using a US carrier abr...
by kramer
Mon May 20, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 3096

Re: Best SIM card for travel in Europe?

I was in Spain less than a year ago. Orange shops had vending machines to purchase their sim cards ... the machine even took a picture of your passport. The price was only 10 Euros and that included something like 10 GB of data, valid for 30 days. Valid throughout Europe. We were traveling in a grou...
by kramer
Tue May 14, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Driving in Lisbon Portugal?
Replies: 25
Views: 1532

Re: Driving in Lisbon Portugal?

I have not been to Portugal but I have driven in many countries. One of my personal rules is that I strongly prefer to observe and experience traffic in a country for at least a short time before I actually drive. If I am going to cold to a new country, I would be nervous about renting at the airpor...
by kramer
Thu Apr 25, 2019 11:10 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1375

Re: Digital Nomad - Automobile Insurance Issues

their imited systems have no category for "always travelling". But I think the state of Oregon (or maybe WA) now has a category of "constant traveller" for DRIVER LICENSES (a different issue, of course), unlike other states that require you to prove you reside at a physical address in the Multiple ...
by kramer
Thu Apr 18, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: QLAC
Replies: 6
Views: 1067

Re: QLAC

For someone who is healthy and not focusing on a legacy, I think they are a fantastic idea. Besides invaluable longevity insurance, they can help with long term income smoothing as one spends down their taxable assets in their 70's before the QLAC kicks in during your 80's while experiencing slightl...
by kramer
Wed Apr 17, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 4391

Re: Newbie international traveler

Our neighbor kid is doing study abroad in Florence. She was "studying" (having a latte) at an outdoor cafe when a woman came up & waved a newspaper in her face. Leaves with her phone. The student next to her was fast enough to grab her own phone before the woman got it too. Made our neighbor very u...
by kramer
Thu Apr 04, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: eSIM experience in Europe/Hungary?
Replies: 7
Views: 677

Re: eSIM experience in Europe/Hungary?

General pre-paid sim card information for Hungary: https://prepaid-data-sim-card.fandom.com/wiki/Hungary E-sim info for the (apparently) one carrier that offers it (unfortunately, everything here appears to be in Hungarian): https://www.telekom.hu/lakossagi/szolgaltatasok/mobil/e-sim e-sims are stil...
by kramer
Thu Apr 04, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: English /Spanish dictionary suggestions ??????
Replies: 15
Views: 782

Re: English /Spanish dictionary suggestions ??????

IMO, the best Spanish English dictionaries are the Oxford English-Spanish dictionary and Spanish Dict. The first is pretty much the most comprehensive one available and the latter is better for phrases. So they both have their role in translations. The Oxford English Spanish dictionary is available ...
by kramer
Sun Mar 31, 2019 4:32 am
Forum: Non-US Investing
Topic: Non-US Bogleheads who overweight US?
Replies: 23
Views: 2195

Re: Non-US Bogleheads who overweight US?

I am a US citizen, retired and living abroad. I keep about 42% US / 58% ex-US stock holdings, all ETF index funds. This has hurt my performance somewhat in recent years since the US has outperformed. All my bonds are in US dollars, however (mostly a mix of brokered CDs, Ibonds, and TIPs). Also, all ...
by kramer
Sat Mar 30, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Anyone looking to retire in FL?
Replies: 18
Views: 2531

Re: Anyone looking to retire in FL?

I had thought about it but it's too cold for me in the winter. There seem to be many other negatives that folks have already mentioned in this thread. But all of these will have to be weighed against the positive things about a specific location there. Florida seems to be very complex and diverse an...
by kramer
Fri Mar 29, 2019 3:45 am
Forum: Personal Finance (Not Investing)
Topic: Did the limit for Foreign Tax Credit increase in 2018?
Replies: 7
Views: 868

Re: Did the limit for Foreign Tax Credit increase in 2018?

If that is the case, why would anyone have a carry over? If your US tax rate is lower than the foreign tax rate, then some of the foreign tax can't be "used". This could happen when the foreign tax rate is high, or your US tax includes lots of deductions and/or special low rates like the 0% LTCG br...
by kramer
Tue Mar 26, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15019

Re: Shingrix [Vaccine availability]

I asked at a CVS today and they said "We only have the 2nd shot at this time' - but if it's the same shot, I wonder why one cannot get the 2nd as the 1st one.... I'm thinking it might be covered under Medicare (part "B"? But there's that deductible). Otherwise it's around 100.00. I think what they ...
by kramer
Sun Mar 17, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 10433

Re: Paris - Is It Safe?

Actually, the current yellow vest protests don't seem particularly dangerous, especially for tourists. However, I would be much more concerned about how they would affect my ability to enjoy Paris during a limited time visit. If you have limited access for two days of a four day trip, that would pro...
by kramer
Thu Mar 14, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: Trip to Osaka in late July early Aug. Must see. Things to do.
Replies: 26
Views: 2479

Re: Trip to Osaka in late July early Aug. Must see. Things to do.

@kramer May I ask where you got the Japanese sim from? I was looking for something similar. I purchased a Japan Rail Pass by Japan Experience, and also bought a Japanese sim card in the same order. In late 2017, the price was $260 for an unlimited 7 day rail pass and $41 for a nano Sim card with a ...
by kramer
Thu Mar 14, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Trip to Osaka in late July early Aug. Must see. Things to do.
Replies: 26
Views: 2479

Re: Trip to Osaka in late July early Aug. Must see. Things to do.

I did a 15 or 16 day trip to Japan and it was a great experience, I flew into KIX airport and out of Tokyo. On the trip I experienced Kyoto, Nara, Hiroshima/Miyajima Island, Hakone, and Tokyo. I only bought a one week unlimited rail pass and I did all the traveling part in a 7 day period. I had a Ja...
by kramer
Thu Mar 07, 2019 1:13 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 12485

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Thank you. This looks like a distinct possibility. Today I had my first lesson with my Meetup instructor and he was great! I was required to go downtown Detroit and this is really broadening my horizons. Unless I make the effort, I can live in my comfortable city and neighboring areas without any k...
by kramer
Tue Mar 05, 2019 11:34 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 12485

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Kramer, thank you so much for taking the time to write this excellent guide for me. The internet has opened so many doors for us. One more question if I may ... do you use Skype? I will definitely research this further after I have completed my fourth semester of Spanish in April. I have my first S...
by kramer
Tue Mar 05, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 12485

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Unless you're lonely and need the interaction, I have absolutely no idea why someone nowadays would take a foreign language class at a US university. Even a community college course here runs about $500, for 3 (hrs/wk) x 15 (wks) = 45 hours of group instruction. $500 gets you anywhere from 60-100 h...
by kramer
Mon Mar 04, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 12485

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

A large classroom environment is only suitable for learning the basics of a language. In order to fulfill your goal of becoming fluent in Spanish, I would drop the entire idea of a large classroom environment. Thanks to technology, you can construct your own learning environment (as I have). And mos...
by kramer
Sun Mar 03, 2019 2:43 am
Forum: Personal Finance (Not Investing)
Topic: How much does owning vehicles (cost/month)
Replies: 53
Views: 4286

Re: How much does owning vehicles (cost/month)

To really calculate the true cost, you probably need to include the cost of space to park your vehicle(s). For instance, as a renter, there can be a cost difference between places with proper parking and those without. I think most people don't think about it because it is already a sunk cost for th...
by kramer
Sun Mar 03, 2019 1:21 am
Forum: Personal Consumer Issues
Topic: Satellite Phone rental for foreign travel
Replies: 23
Views: 1746

Re: Satellite Phone rental for foreign travel

To add to the above posts, I generally only buy dual-sim phones, so you could use sims from two different providers when traveling abroad. On my latest phone, I can actually get data, also, on both sims (previous phones relegated one sim to just text and talk only). This might even yet you use Googl...
by kramer
Sat Mar 02, 2019 4:50 am
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 8143

Re: BH could you live off your SS benefit?

I retired early ... my entire work career after college spanned less than 12 years ... age 70 benefit would be a bit over $25K, and after subtracting out Medicare Parts B and D, let's say that $22K will remain. So no, not enough or even close to be comfortable or secure. That being said, I am very t...
by kramer
Fri Mar 01, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 12496

Re: What do you pack for international vacation travel??

On some trips how much you bring really matters (moving around a lot, using buses, etc), on others it is not so important (cruise, single destination city), so determine that first. I also carefully evaluate the climates to which I will be traveling. One thing I do before the trip is figure out what...
by kramer
Thu Feb 28, 2019 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Foreign Tax paid question
Replies: 6
Views: 705

Re: Turbo Tax - Foreign Tax paid question

I used to use the lowest version of Turbo Tax, and had to struggle with some Form 1116 issues in an indirect way. For the last few years I have used the Premier version of Turbo Tax and all these issues just went away. For the record, my foreign tax on dividends is above the $300/$600 limits and so ...
by kramer
Wed Feb 20, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3339

Re: Car Rental in Mexico

This may only help the OP for some of his transport issues, but I just wanted to add that Uber is very well established in Mexico. For instance, Mexico City is Uber's largest worldwide market. I recently visited Mexico for over a month, and used Uber everywhere in various cities and it went without ...
by kramer
Tue Feb 19, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: using uber versus buying a car
Replies: 54
Views: 3946

Re: using uber versus buying a car

Since there are two of us and two cars, I am hoping we can eventually adapt to 1 car and make up for getting rid of one car with Uber/Lyft/rentals. For retired couples, this seems to be the biggest win and should be a huge time and money saver. For singles with a car, I think it's a more difficult ...
by kramer
Tue Feb 19, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: The Section 199A Tax Benefits Of REITs Over Direct Real Estate Investments at Kitces.com by Jeffrey Levine
Replies: 36
Views: 4747

Re: The Section 199A Tax Benefits Of REITs Over Direct Real Estate Investments at Kitces.com by Jeffrey Levine

Is this new 80% tax benefit carried over to a Vanguard ETF like VBR (Vanguard Small Cap Value ETF) which holds a significant quantity of REITs but far less than half. This is my largest taxable holding. If I recall, it was composed of over 10% REITs by market cap meaning that probably around 20% of ...
by kramer
Sat Jan 26, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Simple "Skype" Device for Video Chats???
Replies: 20
Views: 1409

Re: Simple "Skype" Device for Video Chats???

I'm considering trying Skype again as I may be using Italki in the future. I noticed that the Kindle Fire 10 is $149 and the Kindle Fire 8 is $49 on Amazon. I bought both and the Skype App is pre-loaded and available for download on both devices if one goes to App Store. I don't know how good it is...
by kramer
Sat Jan 19, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6140

Re: Is California worth the premium?

I left after long stints in the Bay Area and just north of San Diego. Everyone is different, but I don't like the coastal weather, cloudy and/or cold much of the year. The ocean water in California is always cold in the north and cold much of the year in the south. Most people that live there don't ...
by kramer
Thu Jan 17, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 8768

Re: Should I buy a house in the Bay area or give up?

Single? Rent a two-bed apt and find a roomate. Save you ton of money. Invest all left in to three vanguard fund portfolio. Now that I've turned 30, I feel like I'm too old to have a roommate. Thoughts? Also my housing expenses keep increasing due to rising rents, which leaves less money for investi...
by kramer
Wed Jan 16, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1871

Re: How to set android phone to send phone solicitors directly to voice mail.

I don't allow voicemail either ... I consider having to access and listen to voicemail even worse than a solicitor calling ... just send a short text, or message or voice-recording-in-whats-app.
by kramer
Sat Jan 05, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15019

Re: Shingrix [Vaccine availability]

I am in the US for limited time periods, so I was a little nervous about getting my second shot in a timely manner -- in late December I was in the US from 5 to 5.5 months after my first shot and then leaving again. But I was able to get it at a CVS pharmacy in the San Diego area without problems .....
by kramer
Wed Jan 02, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3546

Re: Noise cancelling headphones for plane trips, advice?

I recently had my first flight (trans-Pacific) with my Sony xm3 ANC over-the-ear headphones. I had trouble with the volume when watching some movies on the plane using the plane's multi-media system, the volume didn't go low enough, even on the lowest volume setting it was too loud with some content...
by kramer
Sun Dec 30, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Father-in-law denied apartment for lack of income even though he has assets. What to do?
Replies: 77
Views: 8047

Re: Father-in-law denied apartment for lack of income even though he has assets. What to do?

This can also be a problem for early retirees (who typically have large assets and low income) and I can remember seeing this discussed on a different board many years ago around the time I early retired and I was definitely a bit worried about it. Basically, some apartment complexes are inflexible ...
by kramer
Sun Dec 16, 2018 6:03 am
Forum: Personal Investments
Topic: 0% Long Term Capital Gain rate?
Replies: 22
Views: 3556

Re: 0% Long Term Capital Gain rate?

Yes, during my working career I harvested losses and took the $3K deduction against oridinary income every year (average tax rate saved of around 37%). Now that I am retired early (single) and have many years of somewhat low realized income ahead before SS and RMDs, I never harvest losses and normal...
by kramer
Sat Dec 15, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 128
Views: 16790

Re: How to learn a second language

I would stress what some others have already said, learning a language to a lower level of fluency is an incredibly difficult and long process. Way longer than the non-language-learner would predict. And I am only learning a Romance language. (I loved Hyperborea's post above). I restarted my Spanish...
by kramer
Sun Dec 09, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 101
Views: 9050

Re: are manufactured homes a bad investment?

A couple of my family members have lived in a Manufactured Home Park in a nice area in Southern California. The people that live in the park own the land. When you buy a home there, you are also buying a share in the park, for a fixed price (20,000). There is an elected board made up owners within t...
by kramer
Tue Dec 04, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3747

Re: Pixel 3 early adopters: any feedback?

I also got in on the travel gift card deal and I'm really excited to get the phone. In regards to a screen protector. I find it odd for people not to spend $10 for a screen protector or $20 for a case for a device that is several hundred dollars. I have coworkers who never have screen protectors or...
by kramer
Mon Dec 03, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3747

Re: Pixel 3 early adopters: any feedback?

My keys go into my right front pocket, and my phone goes into my left front pocket. Everything has its place. :) I'm going to have to correct you there. Keys in the left front pocket, phone in the right front pocket. There, all better now. :wink: On a more serious note, this is the best way I've fo...
by kramer
Mon Nov 26, 2018 3:32 am
Forum: Personal Investments
Topic: Roth Conversion
Replies: 50
Views: 3444

Re: Roth Conversion

Have you also calculated the tax rate when there is a single survivor left? Each single bracket is about 1/2 of the mfj tax bracket. This is definitely a large factor for married Bogleheads. I will just add one more important detail to these excellent posts, since it sounds like you may have a larg...
by kramer
Sat Nov 17, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: Ed Slott & Roth Conversions
Replies: 45
Views: 3958

Re: Ed Slott & Roth Conversions

In the following situations for those that have at least a middle sized taxable account: One must consider that conversions might turn your taxable account 0% cap gains and qualified dividends into 15% (or in some cases more). Conversions can take away from 0% capital gains space, eliminating the op...