Search found 17 matches

by Luckywon
Thu May 18, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Paris private tours
Replies: 12
Views: 1018

Re: Paris private tours

I recommend Paris Muse highly. We used them for the Louvre and also the Musee d'Orsay. Our guides both had Ph.D.s in art history (I think most guides for this company do) and touring the museums with them was like no other museum experience I ever had. Not cheap (I think around $350 for each tour), ...
by Luckywon
Fri Apr 21, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: How much to pay a housekeeper?
Replies: 23
Views: 2805

Re: How much to pay a housekeeper?

dm200 wrote:I believe the "fair" amount depends greatly on the area, as well as what she earns on the other day(s) for others.

Do you give her a year end or holiday or Christmas bonus as well?


Yes, I give her 3 weeks bonus year end.
by Luckywon
Fri Apr 21, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: How much to pay a housekeeper?
Replies: 23
Views: 2805

How much to pay a housekeeper?

I have a housekeeper that comes two days a week, 8 hours per day (she does laundry as well as clean). I pay her $120/day. This has been the same rate for two years now and I think it's time to raise it. Would love to get a sense of what other people pay a regular housekeeper. This probably varies by...
by Luckywon
Wed Apr 19, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 5494

Re: Is my electric bill high?

Many thanks for all the great comments and advice! Just for some detail, there are only two of us in the house, and we don't have an electric car. So, clearly, my usage is high. The charge/kWh is also high, because I reach a high tier. I'm pretty sure the pool pump is the major culprit. I had a pool...
by Luckywon
Mon Apr 17, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 33
Views: 3432

Re: All in with Balanced Index fund

I think one reason is you could save on expenses by replicating the fund with two other Vanguard funds: The expense ratio for VBINX is 0.22. The fund is 60 % Total U.S. stock market and 40 % Broad U.S. Bonds. It seems to me you could replicate the fund by buying 60 % VTSMX (Total U.S. stock market)...
by Luckywon
Mon Apr 17, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 33
Views: 3432

Re: All in with Balanced Index fund

I think one reason is you could save on expenses by replicating the fund with two other Vanguard funds: The expense ratio for VBINX is 0.22. The fund is 60 % Total U.S. stock market and 40 % Broad U.S. Bonds. It seems to me you could replicate the fund by buying 60 % VTSMX (Total U.S. stock market) ...
by Luckywon
Mon Apr 17, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12744

Re: Do you have an umbrella policy?

Yes, $5 million from AAA, costs $660/year. Live in southern california.
by Luckywon
Mon Apr 17, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 5494

Is my electric bill high?

I'm in Southern California, in a 2500 sq. ft. house. Just the electricity part of my utility bill averages 1500 kWh/month which is about $300. It's always seemed high to me but I have no basis for comparison. Would love to hear usage and charges/month from other members! Added detail: I have a pool ...
by Luckywon
Mon Apr 17, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund for international bonds
Replies: 4
Views: 520

Re: Best fund for international bonds

The very first choice you need to make, before starting to look at specifics and questions of active versus passive, is whether you want a dollar-hedged bond fund or an unhedged bond fund. The choice is important. Unhedged bond funds, which are the commonest, don't behave "like bonds" at ...
by Luckywon
Mon Apr 17, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund for international bonds
Replies: 4
Views: 520

Re: Best fund for international bonds

For good active management on the bond side give PIMCO a look. Vanguard brokerage has PIMCO institutional funds available with 25K minimums. Vanguard has no multi-sector bond funds. I own PIMIX which is multi-sector and has an expense ratio of .45%. Flagship clients can use one of their free trades...
by Luckywon
Sun Apr 16, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund for international bonds
Replies: 4
Views: 520

Best fund for international bonds

My target allocation includes about 10% in international bonds. I have all of this in BNDX. I read an article in the WSJ today that passively managed funds in emerging markets bonds have generally lagged actively managed funds over five years. BNDX only has a small component in emerging markets, but...
by Luckywon
Sat Apr 15, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4416

Re: What do you do with your coins?

I keep all my coins in a big jar. When it get full I take them to the supermarket and dump them in a coinstar machine. You can get around any redemption fee by choosing an amazon gift certificate as the redemption option. It's super easy to enter the code into your amazon account and presto-the mone...
by Luckywon
Tue Mar 28, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS vs SCHF [Vanguard Total Int'l vs. Schwab International]
Replies: 10
Views: 619

Re: VXUS vs SCHF

Thanks for all the responses, all very helpful indeed!! Considering everything, I will stick with what I have in VXUS. Maybe Vanguard will lower their ER in the future anyway, their expense ratios seem to be on a steady downward trend!
by Luckywon
Tue Mar 28, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS vs SCHF [Vanguard Total Int'l vs. Schwab International]
Replies: 10
Views: 619

Re: VXUS vs SCHF

the only issue would be if you wanted small caps, you probably would have to throw scha into the mix. Good thought. However, from what I can see, VXUS also lacks small caps so although SCHA may be a good idea, it doesn't seem to me that small caps are an issue as far as deciding between VXUS and SC...
by Luckywon
Tue Mar 28, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS vs SCHF [Vanguard Total Int'l vs. Schwab International]
Replies: 10
Views: 619

Re: VXUS vs SCHF

I am thinking of buying a combination of SCHF and SCHE to replicate VXUS more closely. (SCHE is foreign emerging markets). The expense ratio of SCHE is 0.13 so depending on the ratio it may not save much on the total expense ration. (SCHF ER 0.06, SCHE ER 0.13, VXUS ER 0.11). Anyone have any thought...
by Luckywon
Tue Mar 28, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS vs SCHF [Vanguard Total Int'l vs. Schwab International]
Replies: 10
Views: 619

Re: VXUS vs SCHF

That's an interesting point. Thanks very much!
by Luckywon
Tue Mar 28, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: VXUS vs SCHF [Vanguard Total Int'l vs. Schwab International]
Replies: 10
Views: 619

VXUS vs SCHF [Vanguard Total Int'l vs. Schwab International]

My target portfolio allocation includes 15 % international funds. Currently I have all my international funds in VXUS, expense ratio 0.11 I just saw that SCHF has expense ratio 0.06 I'm thinking of switching as much as I can to SCHF, at least in my tax advantaged accounts where there are no tax cons...

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