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Search: Posts Made By: Khufu
Forum: Life after FIRE 08-22-2014, 09:15 PM
Replies: 64
Views: 7,093
Posted By Khufu
The problem with aging in the suburbs is what...

The problem with aging in the suburbs is what happens when you can no longer drive safely. My father had three car accidents in his late 80's, all of which he recognized were his fault, before we...
Forum: Other topics 05-17-2014, 10:11 PM
Replies: 83
Views: 6,379
Posted By Khufu
My own goals for backup are as to protect against...

My own goals for backup are as to protect against the following risks in declining order of likelihood

1. loss of hard disk
2. loss all my local equipment, i.e. through a fire or burglary

I...
Forum: FIRE and Money 05-17-2014, 08:38 PM
Replies: 39
Views: 11,482
Posted By Khufu
I understand the concept, but this means that,...

I understand the concept, but this means that, even with the Roth conversions, you can't avoid something like an 85% tax rate on your SS benefits? Or are you assuming a very high rate of return on...
Forum: FIRE and Money 05-17-2014, 07:43 PM
Replies: 39
Views: 11,482
Posted By Khufu
I have been using Esplanner for seven years. ...

I have been using Esplanner for seven years. Found it indispensable for planning retirement including evaluating the benefits of expatriating. It also helped me recognize the need to do Roth...
Forum: Health and Early Retirement 03-28-2014, 11:12 PM
Replies: 15
Views: 1,770
Posted By Khufu
These activity monitors are clever gadgets, but I...

These activity monitors are clever gadgets, but I don't see how they help you keep fit. I understand monitoring your heart rate while working out to allow you to use the feedback to modify your...
Forum: Hi, I am... 03-22-2014, 08:55 PM
Replies: 14
Views: 3,128
Posted By Khufu
Congratulations on the transition. I do urge you...

Congratulations on the transition. I do urge you to buckle down and master Chinese. It's not true that you are too old. Much to the contrary, it is because you are older that you need strenuous...
Forum: Hi, I am... 03-22-2014, 08:44 PM
Replies: 14
Views: 3,128
Posted By Khufu
It is not necessary to establish residency in a...

It is not necessary to establish residency in a no-income-tax state to avoid having to file state tax returns after expatting. It depends on the tax domicile regulations of your last state of...
Forum: Health and Early Retirement 02-25-2014, 08:21 PM
Replies: 83
Views: 7,983
Posted By Khufu
My understanding is that only 20% of the...

My understanding is that only 20% of the population respond to salt reduction. When I had high blood pressure myself, reducing the level of salt in my diet did not affect BP readings. So, I stopped...
Forum: Other topics 02-21-2014, 08:41 PM
Replies: 59
Views: 6,081
Posted By Khufu
In the voice over commentary on the movie,...

In the voice over commentary on the movie, "Crash", the director, Paul Haggis, relates how one of his friends saw the movie and asked him, "Wow. How did you manage to get a good performance from...
Forum: FIRE and Money 02-21-2014, 08:36 PM
Replies: 105
Views: 14,653
Posted By Khufu
To the OP, since you are a tech type buy yourself...

To the OP, since you are a tech type buy yourself a copy of Esplanner from esplanner.com and start the learning curve. Then run many scenarios and see what the long-term effect various factors might...
Forum: FIRE and Money 02-21-2014, 08:23 PM
Replies: 34
Views: 5,496
Posted By Khufu
This analysis is incorrect in nearly every...

This analysis is incorrect in nearly every respect.

The people, like you, who focus on maximizing the legacy are always excessively concerned with the risk of dying relatively "young" and failing...
Forum: Life after FIRE 02-02-2014, 06:15 AM
Replies: 65
Views: 8,428
Posted By Khufu
I've been using Ooma since 2008 with the first...

I've been using Ooma since 2008 with the first generation equipment and zero monthly charges. Very happy with it. Works fine here in Thailand and no noticeable latency. I believe it is still...
Forum: FIRE and Money 01-01-2014, 11:23 PM
Replies: 41
Views: 4,521
Posted By Khufu
I would be lost without quicken. I'm using the...

I would be lost without quicken. I'm using the H&B 2012 version, which will lose support in April, 2015. We have numerous bank, credit card, credit union and brokerage accounts in two countries and...
Forum: Other topics 01-01-2014, 10:34 PM
Replies: 69
Views: 4,714
Posted By Khufu
Here in Thailand dumbphone service can be very...

Here in Thailand dumbphone service can be very cheap if you buy cards instead of having a contract. Last year I spent a total of about $6.
Forum: Health and Early Retirement 12-31-2013, 07:15 PM
Replies: 11
Views: 1,630
Posted By Khufu
Longevity is usually thought to be about 30%...

Longevity is usually thought to be about 30% heritable. The biggest correlant for long life is educational level:

"An additional four years of education lowers five-year mortality by 1.8...
Forum: Health and Early Retirement 12-31-2013, 07:04 PM
Replies: 25
Views: 2,633
Posted By Khufu
Very interesting articles, especially the one by...

Very interesting articles, especially the one by the European cardiologist. I have heard several doctors say that the use of BP-lowering medications is responsible for the relative dearth of stroke...
Forum: Health and Early Retirement 12-17-2013, 10:55 PM
Replies: 64
Views: 4,009
Posted By Khufu
This discussion is typical of those concerning...

This discussion is typical of those concerning the deficiencies of the US medical system in that it overlooks the obvious. The medical business did not succeed in sequestering the largest share of...
Forum: Health and Early Retirement 12-09-2013, 11:52 PM
Replies: 1
Views: 815
Posted By Khufu
Although once you have purchased the policy with...

Although once you have purchased the policy with a right to renew in subsequent years, does the insurance company make any guarantee as to the future level of premiums? Also, will they sell you...
Forum: FIRE and Money 12-07-2013, 11:56 PM
Replies: 34
Views: 3,780
Posted By Khufu
Not necessary to "establish residency in a...

Not necessary to "establish residency in a no-income-tax state" before moving abroad and could be detrimental unless you are leaving VA. All you have to do is conform to the tax domicile rules of...
Forum: FIRE and Money 12-07-2013, 10:56 PM
Replies: 6
Views: 1,887
Posted By Khufu
I have used Esplanner for deciding the schedule...

I have used Esplanner for deciding the schedule of my Roth conversions. Esplanner has the advantage that it knows about all your other assets, SS benefits, the RMDs, state and federal tax...
Forum: FIRE and Money 11-29-2013, 06:56 PM
Replies: 45
Views: 4,696
Posted By Khufu
Where did he buy the travel health insurance? As...

Where did he buy the travel health insurance? As far as I know it is not available to those over 65.
Forum: FIRE and Money 11-28-2013, 11:23 PM
Replies: 45
Views: 4,696
Posted By Khufu
Not true. That is the meaning only in the...

Not true. That is the meaning only in the context of citizenship. In other contexts "to expat" may mean to work abroad or simply to move abroad whether working or retired. I never encountered the...
Forum: FIRE and Money 11-28-2013, 04:28 AM
Replies: 45
Views: 4,696
Posted By Khufu
health insurance in Thailand

I don't know about Malaysia, but here in Thailand health insurance that is available to expats typically does not cover pre-existing conditions and is generally not available at all to a foreigner...
Forum: FIRE and Money 11-21-2013, 03:51 AM
Replies: 49
Views: 4,559
Posted By Khufu
The future for classical musicians doesn't look...

The future for classical musicians doesn't look all that good frankly. The New York City Opera just failed. There are fewer classical radio stations. Musicians of the Minnesota Orchestra were just...
Forum: Other topics 11-21-2013, 03:46 AM
Replies: 16
Views: 1,059
Posted By Khufu
I snored until I lost a lot of weight. Not...

I snored until I lost a lot of weight. Not since, according to my wife.
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