Search found 42 matches

by Big Mig
Sun Mar 28, 2021 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

Spain would be a bit higher because you have to tax SS at Spanish rates and only get credits at US rates (looking at lower tax brackets) So you are comparing $130k net in US vs $120k net in France? It depends on what you spend, but I'd think you'll live better in France. No, I’m comparing what taxe...
by Big Mig
Sat Mar 27, 2021 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

Spain would be a bit higher because you have to tax SS at Spanish rates and only get credits at US rates (looking at lower tax brackets) So you are comparing $130k net in US vs $120k net in France? It depends on what you spend, but I'd think you'll live better in France. No, I’m comparing what taxe...
by Big Mig
Fri Mar 26, 2021 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

Yes. But let's put things in perspective. Max social security benefits you can get from US is <40k euros. So it's not a huge effective taxing rate. And this amount gives you a much better life in Europe than in US. And when we talk about whether SS is taxed in US (like France) or in Residence Cuntr...
by Big Mig
Thu Mar 18, 2021 9:23 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1125
Views: 370233

Re: VPW Pension Bridge Cost (Retirement Tab)

Greetings BHers, New to forum but have been a guest follower for about 6 mos. I've done my best to figure out my question based upon reading the posts, using search function, etc. but prefer to be more certain. My two questions: 1) How does one handle the $349,041 Pension Bridge Cost ($306,624 + $4...
by Big Mig
Mon Mar 08, 2021 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

I have a very hard time believing that you'd pay lower taxes living in France than in Andorra, as a US Person. Clearly, for Andorra, you'd pay essentially US federal taxes and no state taxes. For France, I'd think you'd pay the higher of either French or US taxes, and France has way higher tax rate...
by Big Mig
Sat Mar 06, 2021 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

Pau is a lovely city in view of the Pyrenees. The Pyrenees are beautiful, on both the French side and the Spanish side. For moving there, I'd consider living in Andorra tho. Much lower taxes than either France, Spain or US for that matter. I could see Andorra making sense for some people. But a US ...
by Big Mig
Fri Mar 05, 2021 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

Sure, I will start one later in the future, probably when my plans are clearer. I just thought I could get some insights from people knowledgeable on the France one . At the very least, I'm considering know to retiring to France. Southern area is close to Spain and really nice. I still don't know w...
by Big Mig
Fri Mar 05, 2021 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

Thanks, I didn't mean it to be 1994-2004 a waste of time, just a way for me to understand the language since the language it's similar to the Spanish treaty. If you’re interested in understanding the US-Spain tax treaty why not start a thread to discuss it specifically? This, using 15 years out-of-...
by Big Mig
Tue Mar 02, 2021 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

LEt me try to parse again. I don't have a problem with the 2004 treaty. But you are saying that treaty 1994 says the same, just not as clear So let's look at the treaty of 1994 I’m confused about why you’re focused on the language of Article 18 of the 1994 treaty. None of that language has force an...
by Big Mig
Sat Feb 27, 2021 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any expats retired in europe? How much needed to retire?
Replies: 135
Views: 18444

Re: Any expats retired in europe? How much needed to retire?

I understand article 18 concerns payment of 401k accounts. But I don't see how it says that it should be taxed by US and not by France ... In 2009, this was changed to read: "“Payments under the social security legislation or similar legislation of a Contracting State to a resident of the othe...
by Big Mig
Mon Jan 18, 2021 12:45 pm
Forum: Non-US Investing
Topic: Golden Visa Programs
Replies: 59
Views: 9471

Re: Golden Visa Programs

Our visa allows us to live and work anywhere in the Shenzhen for the next 5 years. Are you sure your visa allows you to “live and work” in another Schengen country? That seems very un-EU like. Generally people who aren’t permanent residents are not afforded the same movement rights as citizens of E...
by Big Mig
Fri Dec 11, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Living in the US and another country (retirement planning)
Replies: 97
Views: 6608

Re: Living in the US and another country (retirement planning)

I have a friend who is going through this situation right now, and is getting married due to Brexit failures and overstaying their 90 days due to COVID. There is a special type of visa/residence card for non EU spouses of French nationals. It is fast and I think free (unlike those without the Famil...
by Big Mig
Fri Dec 11, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Living in the US and another country (retirement planning)
Replies: 97
Views: 6608

Re: Living in the US and another country (retirement planning)

....—that’s why I think ShadowCat and his wife should give it a try and let us know how it goes!... I am in agreement that I believe it is plausible. However, even if one is right they are going to be at the mercy of immigration officials who may or may not agree. And that is not a headache you are...
by Big Mig
Fri Dec 11, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Living in the US and another country (retirement planning)
Replies: 97
Views: 6608

Re: Living in the US and another country (retirement planning)

I am referencing the directive/regulation as published here: https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32018R1806&from=en Article 4, paragraph 1 This says the visa requirement is only dropped for stays of 90 days within the last 180. This is the most recent version of the do...
by Big Mig
Thu Dec 10, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Living in the US and another country (retirement planning)
Replies: 97
Views: 6608

Re: Living in the US and another country (retirement planning)

Spouses of EU Nationals with US citizens (and other applicable countries) may be exempt from a visa upon entry but are still subject to the 90 day in 6 month limit. This requirement is referenced in the second directive referenced in the quoted link. Stays beyond 90 day require some type of visa (u...
by Big Mig
Thu Dec 10, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Living in the US and another country (retirement planning)
Replies: 97
Views: 6608

Re: Living in the US and another country (retirement planning)

My wife is in fact a dual US/Irish citizen so we are in the same boat as you. I would have to reside for at least 3 years on the island of Ireland ( oddly enough, Northern Ireland counts) to become a citizen. I'm not necessarily opposed to the idea of doing that to obtain Irish citizenship, but Ire...
by Big Mig
Thu Dec 10, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Living in the US and another country (retirement planning)
Replies: 97
Views: 6608

Re: Living in the US and another country (retirement planning)

I believe that you need a visa or a residence permit. You will need resident permit to stay in EU for more than 180 days a year. Bummer. Thought so, oh well. The advice you get here, including from me, is worth exactly what you pay for it. If you’re really interested in doing what you suggested I r...
by Big Mig
Thu Dec 10, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Living in the US and another country (retirement planning)
Replies: 97
Views: 6608

Re: Living in the US and another country (retirement planning)

Wait, I just thought of something: can the non-EU spouse of an EU citizen spend more than 90 days in the Schengen zone? My wife is a dual US/EU citizen as I mentioned before so I just presumed she could bounce between EU countries and never become a tax resident (e.g. 90 days in France, 90 days Ita...
by Big Mig
Tue Apr 14, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 7021

Re: What Amazon Prime (free) movies y'd recommend ?

On free prime I recently started watching Travels By Narrowboat. Probably not everyone's cup of tea but I've been enjoying it. I like the serial show The Boys but I think they only did one season of that. I've also watching James May Our Man in Japan. Had no idea this ( Travels ) existed—thank you....
by Big Mig
Mon Nov 11, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 2003

Re: VPN SWR % question

You’ll probably get a better response posting in the VPW thread furwut linked above—you may have your questions answered just reviewing that thread. I wonder if the spreadsheet isn’t building a bridge from your retirement date to when you eventually take SS? The spreadsheet will (virtually) set asid...
by Big Mig
Sun Nov 10, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 2003

Re: VPN SWR % question

OP, I use the spreadsheet on my iPad by following longinvest’s links to open the spreadsheet in a Chrome (not Safari) tab. Then, when I open Sheets it is at the top of my “recents”. I open it and make a copy (the original is read-only) which I can edit. I haven’t played with it enough to run into an...
by Big Mig
Wed Oct 16, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: Buying new iPhone from: locked or unlocked?
Replies: 13
Views: 2343

Re: Buying new iPhone from: locked or unlocked?

I'm probably going to order a new iphone 11 pro directly from the apple website. is there any reason not to get the unlocked and sim free version? this way if i decide to leave verizon (current carrier) at some point, i won't have to deal with unlocking it in the future...? if i do buy it unlocked ...
by Big Mig
Sat Jun 15, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 45
Views: 6114

Re: US Citizen Retiring in Ireland

Unless you are going to be spending six months a year in Ireland....it doesn't matter. Stay under 183 days and you don't owe any taxes to Ireland. That's a fairly consistent rule for most countries. This isn’t strictly true for Ireland—rather, it’s true for 1 year, but you don’t get another 182 day...
by Big Mig
Sat Jun 15, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 45
Views: 6114

Re: US Citizen Retiring in Ireland

Thirteen years is a really, really long time. Tax rules and your own plans won't change in that time?! I would just focus on getting Irish citizenship now. The OP would need to be resident in Ireland before successfully applying for Irish citizenship (eligibility requirements here: http://www.inis....
by Big Mig
Fri Jun 14, 2019 12:02 am
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 45
Views: 6114

Re: US Citizen Retiring in Ireland

I have not investigated personally, but it is my understanding that Ireland requires a number of years of legal residency for non-EU citizens before health care benefits accrue. When relatives looked into it years ago, the requirement was long- something like 10 years. HSE’s eligibility requirement...
by Big Mig
Sat Apr 28, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 2474

Re: Bee in the house - what to do???

Call Billy the Exterminator. Please consider calling bee removal specialists instead of Billy. Local beekeepers (e.g., the Northern Virginia Beekeepers Association) can provide referrals to companies that will humanely remove the bees and put them to work somewhere. Sometimes the local beekeepers t...
by Big Mig
Sat Feb 03, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 25388

Re: For BHs who actually like cars - what is your daily driver?

emoore wrote: Sat Feb 03, 2018 3:18 pm
Big Mig wrote: Sat Feb 03, 2018 2:48 pm 2002 VW GTI vr6, 6-speed manual.
Nice! How many miles?
Only about 90k; the car spent half its life on Oahu. And I should clarify: driven daily, towed quarterly. I’ll probably have to replace it this year.
by Big Mig
Wed Aug 23, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 7396

Re: Eclipse Traffic: predictions vs reality?

Left Atlanta at 7 am, no real traffic on I-85 north, and arrived in Greenville around 9:30. Enjoyed the eclipse at the Drive game and headed south around 4, arrived home after 11 pm. Worst traffic was between Anderson SC and the Georgia line, on both I-85 and (roughly) parallel state roads, and 85 r...
by Big Mig
Tue Jul 11, 2017 9:47 pm
Forum: Non-US Investing
Topic: income taxes in Guam
Replies: 4
Views: 1144

Re: income taxes in Guam

The short answer is no. Disclaimers: IANAL, or a tax expert; any knowledge I have is from being (in the past) a Honolulu-based manager of an organization with staff in Guam and the CNMI, so this is absolutely not gospel and is probably over-simplified. Please double-check; your spouse's agency's HR ...
by Big Mig
Thu May 04, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 42995

Re: Where to Live on $60K or Less a Year?

We live in the Crossville, TN area, specifically on the lake Tansi side. I believe you will find we tick off just about every box on your list. The crime rate might seem high but that is largely due to stealing to support drug habits, nothing major like you will find in all the large cities you lis...
by Big Mig
Thu May 04, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 42995

Re: Where to Live on $60K or Less a Year?

Atlanta, Georgia -- The Midtown area seems walkable and there are some minor family considerations to the area. It might serve well as a "home base" to use as a place to keep one's things and return to in between stints of traveling the world, but such a plan is probably more theoretical ...
by Big Mig
Sun Jan 22, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Extensive Travel & Mobile Lifestyle in Retirement
Replies: 8
Views: 1646

Re: Extensive Travel & Mobile Lifestyle in Retirement

Vienna would be a good one +1. Centrally located, good connections east and west, more reasonably priced (and a generally more appealing city to spend time in) than Munich or especially Frankfurt. Cruise's other suggestions--BA and Hong Kong--seem like good choices. For short trips (less than 3 or ...
by Big Mig
Sun Sep 18, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 12733

Re: Which city for part time home during retirement?

Re Atlanta, can you please describe what neighborhoods you mean by "adjacent to the Beltline"? I have found a variety of nice places in my budget in Midtown. Midtown appears to be quite walkable and have many of the boxes ticked. Druid Hills or further east seems nice but more family/chil...
by Big Mig
Fri Sep 16, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 12733

Re: Which city for part time home during retirement?

Toulouse seems like it would check most of your requirements (though you'd want to read the tax treaty with your own kind of income in mind). It sounds like you're interested in living in Europe but you seem to have done only superficial research on what's required for an American to live there. Sur...
by Big Mig
Fri May 13, 2016 9:13 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45037

Re: Metro Atlanta Bogleheads Local Chapter

Inside The Perimeter.
by Big Mig
Thu Apr 28, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 4830

Re: Atlanta in August -- worth it?

Maybe not a traditional tourist thing but what's most interesting to me about Atlanta now is the redevelopment, especially the BeltLine and related projects, which could change the way we look at the city over the next decade or so. August isn't ideal, but a walk on the Eastside BeltLine Trail from ...
by Big Mig
Tue Nov 10, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 33412

Re: Best albums of 2015

that droned out space he did at the end of the set was so unique and deep. loved every second of it. The way he started that, singing Blue Bucket of Gold , was beautiful. While I might have been happy enough with 5 minutes of the droned-out space, it seemed cathartic for Stevens, necessary before h...
by Big Mig
Mon Nov 09, 2015 10:11 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 33412

Re: Best albums of 2015

Saw Sufjan and his band in Atlanta last week. Carrie & Lowell fans really should try to catch one of the few shows left in this tour. The main set is mostly the 11 songs of C&L , and they are somehow more remarkable and more heartbreaking live. We're all gonna die , you know. Carrie & Lo...
by Big Mig
Mon Aug 17, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Sacramento Real Estate Market
Replies: 14
Views: 2088

Re: Sacramento Real Estate Market

While most of Sacramento (and all the areas mentioned) isn't in the Delta and doesn't face the same threats as the Delta, pizzasteve is right to recommend looking at flood maps and consider flood insurance in much of the city, not just Natomas. Sacramento is built on the banks of two large rivers; w...
by Big Mig
Wed Oct 15, 2014 10:36 am
Forum: Personal Investments
Topic: TSP Withdrawal and RMD Question
Replies: 12
Views: 1816

Re: TSP Withdrawal and RMD Question

Also, OP, your link is to a page discussing RMDs for beneficiary accounts, but your father is (apparently) a TSP participant. The differences aren't huge but they sometimes matter (the beneficiary account version of the tax/rmd document tadamsmar linked is more complicated), so make sure you're chec...