Search found 847 matches

by halfnine
Tue Feb 20, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: European Expat – seeking feedback on Portfolio allocation
Replies: 15
Views: 749

Re: European Expat – seeking feedback on Portfolio allocation

............. 2. Bonds: - If I knew for sure I go back to Germany/Europe I would put 100% of the fixed income into Euro denominated bonds, however at the moment I don’t know that, might be another country as well (South East Asia or Australia). Therefore I would chose 20 % in Europe and 10% in US b...
by halfnine
Sun Feb 18, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10082

Re: Do you wear a wedding band?

Generally, neither of us wear a band/ring. But we do when we travel to more culturally reserved countries so as not to construe we are an unmarried couple sharing a room.
by halfnine
Sun Feb 18, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7203

Re: How to get child's skin in the game for college?

.....This conflict has arises because of me and my husband having different experiences growing up. My parents took care of my entire education and my husband's parents had him take loans for his education. My husband feels that the experience of fending for himself was the biggest growth experienc...
by halfnine
Sun Feb 18, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 10196

Re: Single People and Retirement Question

Also, single older men can do things single older women can't, like travel to areas where the latter are not safe. I would think there are only a very few places that would be safe for an older man but not an older woman. I think in general it is easier for a woman but also potentially more dangero...
by halfnine
Sun Feb 18, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 6449

Re: Expat Living

I am not retired but left the USA for good (AFAIK) in my 30s. I think cinghiale has made some excellent observations. And, I can certainly attest to being "unavoidably American" even though I've picked up other citizenships/residencies along the way. One issue that I've personally found that hasn't ...
by halfnine
Sun Feb 18, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 1667

Re: Genius Needed -- Thoughts on My Asset Allocation? [UK]

If it was me:

50% - global equities unhedged
35% - GBP fixed income (since it looks like your assets aren't tied to a pension/retirement plan and bonds have a poor yield likely in current or fixed term accounts instead)
15% - USD bonds (hedge for GBP depreciation or flight to safety)
by halfnine
Sun Feb 18, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 26
Views: 2640

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

....I do want a U.S. address for mail forwarding (family members are lovable but not too reliable so I'd rather pay for the service). I see Traveling Mailbox has a lot of addresses to choose from in different states. Is there any reason to choose a particular state, such as a state like Florida tha...
by halfnine
Sat Feb 17, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2084

Re: Folding bicycles

...If your budget is high, then a Brompton has the best design. You can spend less and much less. All will have less something compared to a Brompton. Neither of those two statements are entirely true. The Brompton is a great bike. We have one. But it is a bike built for a purpose. A decent ride at...
by halfnine
Sat Feb 17, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 26
Views: 2640

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

I switched my cell phone number to google voice when I left. I also set up a SkypeIn number for the USA as well as additional numbers for other countries. OTOH, it's around 50 USD per phone number per year. I am sure there are probably other options these days but having a local number in various co...
by halfnine
Sat Feb 17, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 26
Views: 2640

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

I view being "bankless" as a major PIA. So, two separate banks/brokerages for everything and a VPN when accessing accounts.
by halfnine
Sat Feb 17, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2084

Re: Folding bicycles

...If your budget is high, then a Brompton has the best design. You can spend less and much less. All will have less something compared to a Brompton. Neither of those two statements are entirely true. The Brompton is a great bike. We have one. But it is a bike built for a purpose. A decent ride at...
by halfnine
Thu Feb 15, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax doubts for retirement and moving to the US from Brazil
Replies: 28
Views: 1931

Re: Tax doubts for retirement and moving to the US from Brazil

For someone with assets the US would be quite down the lists of places I would want to move. Especially for someone who isn't big on consumption. The only reason I would consider the headache is if I felt it provided the best long term opportunities and citizenship choices for my children. Although,...
by halfnine
Thu Feb 15, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Does this sound like a solid plan for a 21 year old?
Replies: 9
Views: 590

Re: Does this sound like a solid plan for a 21 year old?

Just my two cents...if I was 21 and had that kind of money, I'd take half (or more) and take a ridiculous round-the-world trip before I started real life. I would not. I would graduate, work a few years, and then take a RTW trip in the later 20s. Travel is largely wasted on those in their early 20s...
by halfnine
Thu Feb 15, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 10057

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

Sell the stocks in the Roth and buy bonds. Sell the bonds in the 401k/IRAs and buy back the stocks. If your wife is right its saves you a bit on taxes. If she is wrong you'll pay a bit more.
by halfnine
Thu Feb 15, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Morningstar's SWR study
Replies: 44
Views: 3800

Re: Morningstar's SWR study

Also most safe withdrawal rate maxes occurred in the first half of the 20th century. Was this related to the world wars? What would happen if you excluded those?... That is something I have been interested in as well. As best I could tell I came to the conclusion that an SWR of 3.5% does a pretty g...
by halfnine
Thu Feb 15, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 13515

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

A year off to travel with the kids. Not too much point for us for early (earlier?) retirement while the kids are at home and in school.
by halfnine
Thu Feb 15, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Morningstar's SWR study
Replies: 44
Views: 3800

Re: Morningstar's SWR study

... Would be interesting to see the results for Wade's international diversification study with higher equity allocations than 50%. Also most safe withdrawal rate maxes occurred in the first half of the 20th century. Was this related to the world wars? What would happen if you excluded those?... Th...
by halfnine
Thu Feb 15, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1731

Re: Increasing SS PIA by working again

Thanks for all the calculation confirmations. In summary, if one were to work an additional five years at $50,000 annually and then live 20 years in retirement after full retirement age, they would add $21,420 in total to their SS retirement benefits received. Everyone has their own way but to me, ...
by halfnine
Tue Feb 13, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule and early retirement?
Replies: 69
Views: 9125

Re: 4% rule and early retirement?

The historical US experience has been exceptional. The SWR in other developed markets was lower in almost every case, often much lower: https://www.advisorperspectives.com/articles/2014/03/04/does-international-diversification-improve-safe-withdrawal-rates I have seen similar charts elsewhere. It a...
by halfnine
Tue Feb 13, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 1119

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

OTOH (possibly getting something wrong) - it is until age 18 (age 19 if in school?) - each child (US citizen) would be eligible for 75% - max family benefit of 200% So, if OP had 3 or more kids it wouldn't much matter. As for us we have 2 children. While we would get 150% instead of a max 200% if i...
by halfnine
Tue Feb 13, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 1119

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

Not specific to the MFJ issue but more along the ideas of US residency is whether your spouse will qualifty for 50% of your social security benefits and 100% of the benefit if you predecease her. OTOH, I think 5 years of residency within the USA will qualify her. There are other ways to qualify bas...
by halfnine
Tue Feb 13, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 1119

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

Not specific to the MFJ issue but more along the ideas of US residency is whether your spouse will qualifty for 50% of your social security benefits and 100% of the benefit if you predecease her. OTOH, I think 5 years of residency within the USA will qualify her. There are other ways to qualify base...
by halfnine
Tue Feb 13, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Correction vs. Prolonged Bear Market
Replies: 23
Views: 1682

Re: Correction vs. Prolonged Bear Market

I wouldn't be surprised if there was another great depression within my lifetime.
by halfnine
Tue Feb 13, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: SWR — Can You Include Real Estate as Part of Your Portfolio
Replies: 24
Views: 1585

Re: SWR — Can You Include Real Estate as Part of Your Portfolio

If it was an investment property you were renting out you could but not a house you are living in. The reason is that the property is giving you free rent which is called "imputed rent"(Google this). If you also counted it in a 4% safe withdrawal rate then you would be double counting it and withdr...
by halfnine
Tue Feb 13, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 1119

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

Are you sure you want to file MFJ? If I remember correctly your spouse has quite a bit of income and assets in SE Asia from family or family related businesses. If you file MFJ all your spouse's worldwide income will become taxable in the US. Due to PFIC rules this will also greatly limit what your ...
by halfnine
Sun Feb 11, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's portfolio: does the fact that SC are expensive cause a problem?
Replies: 37
Views: 3512

Re: Larry Swedroe's portfolio: does the fact that SC are expensive cause a problem?

...I very much like the idea behind the LS portfolio and I had come up for myself with a barbell portfolio based on a similar philosophy.... I've never seen anyone show that the LS portfolio is pervasive. As an investor (like yourself) outside of the USA, I am still waiting to be shown that it work...
by halfnine
Sun Feb 11, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Residential Address for Vanguard [personal mail forwarding service]
Replies: 19
Views: 1473

Re: Residential Address for Vanguard [personal mail forwarding service]

I've been largely out of the country for nearing two decades now. There are certainly steps I wish I had done differently when I started which would have saved me a few headaches. That said I would: - Set up all accounts before you relocate your address. Then once you've relocated login and change t...
by halfnine
Sun Feb 11, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's portfolio: does the fact that SC are expensive cause a problem?
Replies: 37
Views: 3512

Re: Larry Swedroe's portfolio: does the fact that SC are expensive cause a problem?

...I very much like the idea behind the LS portfolio and I had come up for myself with a barbell portfolio based on a similar philosophy.... I've never seen anyone show that the LS portfolio is pervasive. As an investor (like yourself) outside of the USA, I am still waiting to be shown that it work...
by halfnine
Sun Feb 11, 2018 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 3717

Re: Help Sell FIRE to spouse

I think the idea that your retire and the spouse can keep working is also a good idea. That provided it doesn't lead to divorce or you can live on half.
by halfnine
Sun Feb 11, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2084

Re: Folding bicycles

gd wrote:
Fri Feb 09, 2018 10:11 am
I'm looking at folding bicycles good enough for recreational use-- easy to unfold/fold, and ride 10-20 miles on easy terrain....My planned use is is 2 bagged bikes in small aircraft ....
For those criteria and if you aren't much more than 6 ft then I would look at a Brompton.
by halfnine
Thu Feb 08, 2018 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Goldmoney?
Replies: 19
Views: 1017

Re: Does anyone use Goldmoney?

Mish Shedlock has a few blog posts on GoldMoney and BitGold. A quick search yielded this one. I am sure there are a few others.

http://globaleconomicanalysis.blogspot. ... tgold.html
by halfnine
Tue Feb 06, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Where would you tell a 12 year old to park his money
Replies: 32
Views: 1980

Re: Where would you tell a 12 year old to park his money

100% VT. And offer to insure his losses until 18.
by halfnine
Mon Feb 05, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen working abroad -- how to get US Soc Sec credits?
Replies: 7
Views: 842

Re: US Citizen working abroad -- how to get US Soc Sec credits?

.... My cousin wants to accumulate SS credits. While one could argue whether this is a good investment or not.... Actually, whether it is a good investment or not is important. My thoughts: - She will be contributing to the Korean system. - She will get benefits with 10 years service (50%) and prop...
by halfnine
Tue Jan 30, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 7077

Re: How to think about your house from a financial perspective

A house is an investment that might look something like:

4-5% dividend yield (imputed rent)(after tax yield)
1-2% ER (some of which is pre-tax, some post-tax)
3-4% transaction fee (per transaction)
0% expected real return (tax free to 250/500K)
by halfnine
Tue Jan 30, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Seeking Yosemite advice for late March
Replies: 9
Views: 728

Re: Seeking Yosemite advice for late March

You'll have access to the Valley but won't have access to Tuolumne Meadows via Tioga Pass or Glacier Point. The Valley is down at around 4,000 ft and you shouldn't have any problems getting around by car or foot. The snowline will depend on the year but maybe somewhere between 5500-6500 ft which mea...
by halfnine
Mon Jan 29, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Scotland/West Highland Way Sept. 2018
Replies: 14
Views: 970

Re: West Highland Way Sept. 2018

sad2 wrote:
Sun Jan 28, 2018 8:58 pm
...I suspect Ben Nevis is similar to Mt. Washington. Not too high, but 4,000 + feet of gain....
I'd say that is a fair comparison.
by halfnine
Mon Jan 29, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 10923

Re: The biggest problem in retirement is spending (not)

If not there are MANY places in the world to move to to get what you want. Can you name some? I don’t see how you can just up and move to a different country at an old age for a long time without running into issues (visa running out, limited acces because of non-citizenship, etc) There may be, but...
by halfnine
Sun Jan 28, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 65
Views: 5705

Re: Do we need an emergency supplies kit (go bag)?

I don't worry much about a fire and being able to quickly get out of the house during the day. I am more concerned about preparing for a fire at night while I am sleeping. I'll likely be going out a window so next to the bed I keep some shoes and a small backpack with torch, bandana, water, glass br...
by halfnine
Sun Jan 28, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Scotland/West Highland Way Sept. 2018
Replies: 14
Views: 970

Re: West Highland Way Sept. 2018

I can't help with the West Highland Way. Been thinking of bikepacking it but will need to wait until my kids are a bit older. Hiked up Ben Nevis around 20 years ago. Went up the CMD Arete and down the mountain path. The Arete is quite worthwhile if you are up for it. It looks more exposed and techni...
by halfnine
Sat Jan 27, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 23142

Re: In what ways could BogleHeads be badly wrong ?

1) Stocks are risky and bonds are safe, ignoring a sequence of returns like a 1966 retirement where increasing bonds just made things worse. Looking in the rear view mirror at a 35-year bull market for bonds does not make them safe. 2) US-only or heavy-US tilt in equities is better and safer. Again...
by halfnine
Fri Jan 26, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 48
Views: 3652

Re: Ways to Protect Assets Without a Prenup

Choose your state wisely.
Don't have children.

I imagine those are the big ones. Have never read it but this book might be of interest
https://www.amazon.com/Real-World-Divor ... B01MR4PV1P
by halfnine
Fri Jan 26, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 3886

Re: Buying a home - Financial Benefits? HCOL

A house is an investment that might look something like:

4-5% dividend yield (imputed rent)(after tax yield)
1-2% ER (some of which is pre-tax, some post-tax)
3-4% transaction fee (per transaction)
0% expected real return (tax free to 250/500K)
by halfnine
Fri Jan 26, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 17100

Re: Dear wife quits job and now we are down to 1 income

Wow - I'm shocked by some of the responses. The suggestions of moving into a townhouse, drastically changing your life, etc are, in my opinion, far too premature. OP, you are ok. You have a healthy emergency fund, and you now have a TEMPORARY situation in which you will use it. That is why you have...
by halfnine
Mon Jan 22, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of living comparison (HCOL vs LCOL)
Replies: 85
Views: 6339

Re: Cost of living comparison (HCOL vs LCOL)

...For example, my current house is worth $1 million. Let's say it appreciates at 5% per year for the next 25 years (that is how long it would take to payoff the loan). I'd then to be able to sell it for $3.4 million. Of course, I'd have to pay ITI long the way. But if I move to the LCOL area, buy ...
by halfnine
Mon Jan 22, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Currency risk for non-US residents
Replies: 14
Views: 1168

Re: Currency risk for non-US residents

...So my inclination is to go 50/50 on equities, leave bonds in TBM, and figure it's the best I can do for now... I think this is acceptable if you are willing to repatriate back to the USA if it doesn't work out. There are many expats with a similar portfolio who are not opposed or are planning to...
by halfnine
Mon Jan 22, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 4835

Re: 50/50 AA recommended by Benjamin Graham

Sorry, I read your post wrong. When I started investing, I was 30 and was 50/50 for many years but bonds were paying a lot more. My daughter just got her first real job after getting her Masters degree and is making good money, I will give her Warren's advice because she is only 23 and tell her to ...
by halfnine
Mon Jan 22, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: We need more space!
Replies: 24
Views: 2205

Re: We need more space!

Where we live (outside of the US) 1300 sq ft would nearly be considered a mansion and attic space, garages, and basements are essentially non-existent for storage or expansion. Families learn to get by just fine. Since it sounds like the size of you house is the statas quo for the area maybe it just...
by halfnine
Sun Jan 21, 2018 6:15 am
Forum: Investing - Theory, News & General
Topic: Currency risk for non-US residents
Replies: 14
Views: 1168

Re: Currency risk for non-US residents

A US expat

33% of equity is US
33% of fixed income is US

Social Security will likely cover about 40-50% of expenses at retirement.

That's enough currency risk in one country for me.
by halfnine
Sat Jan 20, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 35372

Re: How to Minimize Your Emergency Care Expenses

Great Post WCI. Lots of great memories living in the US but the healthcare system is something I do not miss having to deal with at all. But this is great information I'll be sure to share with my family and friends still living there.