Search found 179 matches

by Theseus
Fri Aug 11, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 1943

Re: Warm Place for Thanksgiving family reunion

Thank you all for great suggestions. We are a little late because I almost booked for the entire family in Jamaica. And then this Zika issue came up. We don't need it to be super warm. We just don't want to be cold entire time. Mid to high 60s is fine. I am seeing three options from what everyone is...
by Theseus
Wed Aug 09, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 1943

Warm Place for Thanksgiving family reunion

We are trying for a family vacation for people of 12. Due to Zica concerns for one family member, we have to be in the USA. Our idea is to rent a house or villa for one week (our family gets along well and no issues spending a week together). We are looking at Miami or Southern California. We will h...
by Theseus
Mon Jul 31, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap "starter" home or stretch "forever" home?
Replies: 18
Views: 1456

Re: Cheap "starter" home or stretch "forever" home?

Not sure this will help but... 1. I would buy a middle priced house in the community where there are more expensive houses. This will appreciate more in a longer term or at least won't depreciate as much. I have first hand experience doing this twice. 2. Condo fees are a big drag. If you are a Bogle...
by Theseus
Wed Jul 26, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 44
Views: 2598

Re: Italy in August Trip (Rome, Florence, Venice)

While in Florence take time to visit some of the hill towns and other sites in Tuscany. It is a beautiful area but will require a car to get around. Siena and San Gimignano are good to see and there are many others. + 1. And I would add Luca to that list. Each of this town you can easily spend half...
by Theseus
Sun Jul 23, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3049

Re: Commuters (that drive), what do you listen to?

I used to commute 2-3 hrs a day for over 15 years. With me music got old very quickly. I needed variety. So I would listen to NPR, podcasts, and most importantly Books on Tape. Back then they were audio cassettes, then CDs, and now just MP3. I spent nothing on these books as my local library had a g...
by Theseus
Wed Jul 19, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 26
Views: 2484

Re: Continue stock picking or invest in index funds

I used to pick my own stocks before the .com bust. But that bust taught me something. Access to information, skills to do the analysis and ability to apply that to the industry sector, micro and macro economic factors are most critical in "picking" a stock. I know now, the professionals on...
by Theseus
Wed Jul 19, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing ROR across three funds (FBIOX, VHT, S&P500)
Replies: 4
Views: 346

Re: Comparing ROR across three funds

I suggest PortfolioVisualizer . Hope this is somewhat close to what you were looking for ... Good luck .... I used this and it does give me a lot more. Thank you. But is there any tool that accounts for tax implications of actively management fund such as FBIOX vs. passively managed S&P500 fund?
by Theseus
Tue Jul 18, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing ROR across three funds (FBIOX, VHT, S&P500)
Replies: 4
Views: 346

Re: Comparing ROR across three funds

WoodSpinner wrote:I suggest PortfolioVisualizer.

Hope this is somewhat close to what you were looking for ...

Good luck .... 8-)


Thank you. I will check it out.
by Theseus
Tue Jul 18, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing ROR across three funds (FBIOX, VHT, S&P500)
Replies: 4
Views: 346

Comparing ROR across three funds (FBIOX, VHT, S&P500)

I want to compare ROR of three funds. FBIOX, VHT and S&P500. Most of my investments are in S&P500. But a very small (less than 3%) of my portfolio I invested in FBIOX and VHT in 2013. I am trying to compare these three with a specific start date in 2013 to see how was the risk adjusted retur...
by Theseus
Sat Jul 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Upcoming Marriott Stay
Replies: 13
Views: 1621

Re: Upcoming Marriott Stay

If you are ok about being around that area and not specifically that Marriott then check out hotwire.com. I use it often and it is much better priced (sometimes half the price). Only thing is that you won't know which hotel it is. But anything 3 star and above is reasonably decent.
by Theseus
Wed Jul 12, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11298

Re: What do you splurge on?

I doubt they will be 30k above the sea level. It is a helicopter ride to 15k Add 15k to whatever ground level is above sea level. I was at 12,000 feet standing on the ground and the air was thin for someone not used to it. I am not sure I fully understand. Can you explain? I thought all altitudes a...
by Theseus
Wed Jul 12, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11298

Re: What do you splurge on?

15k feet sounds impressive, but Eiger summit is around 13k. About high high was your jump above the ground? I will find out day after tomorrow how high do they take us. It better be 15,000 above ground level. 2,000 above ground level would be a combat type free fall, very dangerous. U.S. Navy SEAL ...
by Theseus
Wed Jul 12, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11298

Re: What do you splurge on?

Here is my splurge. On a vacation in Switzerland, on a whim I decided to go sky diving (from over 15,000 feet) over Eiger Mountain (Jungfrau). With video and everything it is almost $1,000. But that is once in a lifetime - survive or not 15k feet sounds impressive, but Eiger summit is around 13k. A...
by Theseus
Wed Jul 12, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11298

Re: What do you splurge on?

Here is my splurge. On a vacation in Switzerland, on a whim I decided to go sky diving (from over 15,000 feet) over Eiger Mountain (Jungfrau). With video and everything it is almost $1,000. But that is once in a lifetime - survive or not 15k feet sounds impressive, but Eiger summit is around 13k. A...
by Theseus
Wed Jul 12, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11298

Re: What do you splurge on?

Here is my splurge. On a vacation in Switzerland, on a whim I decided to go sky diving (from over 15,000 feet) over Eiger Mountain (Jungfrau). With video and everything it is almost $1,000. But that is once in a lifetime - survive or not :D :D
by Theseus
Mon Jul 10, 2017 5:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 25958

Re: Roll Call for the Retirement Class of 2017!

As of yesterday at 1:48 PM, I am done at the age of 50. Sold my business, transaction done yesterday and I will take next couple of years t figure out what will I do next. But happy to say I am "retired" from my old profession and don't think I will have to work for money any more. Congra...
by Theseus
Mon Jul 10, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 1624

Re: Need to get dental implant done..

As you get older, it is likely that you will need more and more dental services that are expensive. I would certainly try it out - if you have ability to investigate expertise and reliability - so you have a dental service that works within a reasonable budget for future problems. I know a friend wh...
by Theseus
Sun Jul 09, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3133

Re: Is Vanguard down this AM (7/9/17)?

Guys this is not your average mom and pop website. This is a website and backend that manages trillions of dollars. There is no excuse for any downtime. Is is routine to have clusters of servers and have updates done on a rolling basis that results in no downtime. Websites that are far less critica...
by Theseus
Sun Jul 09, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3133

Re: Is Vanguard down this AM (7/9/17)?

Guys this is not your average mom and pop website. This is a website and backend that manages trillions of dollars. There is no excuse for any downtime. Is is routine to have clusters of servers and have updates done on a rolling basis that results in no downtime. Websites that are far less critica...
by Theseus
Sat Jul 08, 2017 3:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 25958

Re: Roll Call for the Retirement Class of 2017!

As of yesterday at 1:48 PM, I am done at the age of 50. Sold my business, transaction done yesterday and I will take next couple of years t figure out what will I do next.

But happy to say I am "retired" from my old profession and don't think I will have to work for money any more. :sharebeer
by Theseus
Thu Jun 29, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire - Concierge Service experience
Replies: 6
Views: 1910

Chase Sapphire - Concierge Service experience

Apparently CSR includes 24/7 access to concierge service that provides a wide range of services to obtain the assistance of a concierge who can book a vacation, obtain theatre tickets, initiate restaurant reservations etc. If you have used this service I am interested in finding out what is your exp...
by Theseus
Wed Jun 28, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2114

Re: swimming goggles

I use these. And I love them. They also have attached ear plugs so no need to separately worry about your ear plugs.


https://www.amazon.com/gp/product/B01M1 ... UTF8&psc=1
by Theseus
Tue Jun 27, 2017 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Losing job, seeking advice
Replies: 16
Views: 2435

Re: Losing job, seeking advice

It is scary and unsettling to be losing a job since he has been at one place for so long. He may not realize all the opportunities out in the world that may be even better. US unemployment is very low by most standards and it may not be too difficult - depending on his field . You are very smart to ...
by Theseus
Sun Jun 25, 2017 1:49 am
Forum: Personal Finance (Not Investing)
Topic: S corp salary timing
Replies: 7
Views: 837

Re: S corp salary timing

You may want to run a scenario in your Turbotax to see if there would be any penalty for not paying quarterly taxes. But in a situation like yours, I have done a smaller salary (e.g. 120k) paid during the year and a large bonus (e.g. 60k) at the end of year. I did this for over 10 years and no probl...
by Theseus
Sun Jun 18, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1277

Re: Office Chair

i highly recommend http://www.thehumansolution.com/raynor- ... e7erg.html

I have had 3 of these for last 10 years. One at my work and two at home. I love them and back then I got it for around $500.
by Theseus
Tue Jun 13, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 38782

Re: Regret early retirement/downsizing

Such a timely thread for me personally. I am 50. Have been financially independent for at least 7 years. But continued on. But this year I am exiting. In process of selling my IT business and hopefully I will be out of workforce in next four weeks or so. I have not given much thought about what I wi...
by Theseus
Tue Jun 06, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 1068

Re: Help with choosing Financial Planning / Investment Firm

Thank you mhalley - I am thinking smaller, more personalized service than from what I believe Vanguard, Fidelity, and Schwab offer. For example, the plan should be tailored to my particular circumstance wrt age, income, current retirement / non-retirement balances, remaining years employed, etc. Fr...
by Theseus
Tue Jun 06, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 7454

Re: Flying first class, business, versus economy.

I was a typical boglehead and never would fly business until two years ago when I was stranded in Nepal and the only way out immediately was a business class. After that experience it is hard to go back to economy if the flight is more than 8 hrs. I am so fresh when I get off the plane it makes a hu...
by Theseus
Tue Jun 06, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 27
Views: 2362

Re: Anti virus protection

If you have high speed landline internet connection then check your service provider. Ours is Comcast and Norton AntiVirus is free for us. No reason to pay if they are providing it for free :)
by Theseus
Wed May 31, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Real Estate: Direct vs Indirect Investment
Replies: 92
Views: 7394

Re: Real Estate: Direct vs Indirect Investment

Is the potential return from direct investment higher? What do you real estate guys think of each type of real estate investing, both pros and cons? I currently have 15 "buy and hold" rental properties. On paper, they always look like they will give a 20-25% return on equity when I buy th...
by Theseus
Sun May 28, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 6226

Re: Looking for advice/reassurance on what to do with $4-5m

B. To account for the worst case scenario I assumed that I would be invested in 100% equity (S&P500 index). Analyzed S&P500 historical chart going back 60 some years and additional data points provided in this forum. I extracted several worst downturn scenarios and time it took for S&P ...
by Theseus
Sun May 28, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 6226

Re: Looking for advice/reassurance on what to do with $4-5m

Throwaway Congratulations on making it there at such a young age. Since the day you posted I have been wanting to reply. I was in somewhat of a similar situation...and have been following this forum for a little while. Here are some of my observations, experiences, and comments. First thing you will...
by Theseus
Mon May 22, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: What type of account would you recommend for a small business?
Replies: 1
Views: 270

What type of account would you recommend for a small business?

Hi I am establishing an LLC with the initial capital of around $500k from the proceed that is coming my way. For the reasons not relevant to my question, I like this money to go directly to the LLC account. This capital will not be immediately put to use until I figure out exactly how I want to purs...
by Theseus
Sun May 21, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 5771

Re: What are your priorities for retirement?

I retired four years ago. For forty working years prior to that, I always traveled and explored the US and limited foreign countries. I adjusted the scope of my travels over time depending on how much $$ was left over after saving for retirement. As a working person, I seldom took more than four to...
by Theseus
Wed May 10, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 5651

Re: What newspaper or magazine do you pay for?

Washington Post - paper and digital
Kiplingers

All other news - online.
by Theseus
Sat May 06, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1240

Re: Southeast Asia for a week, in August first week

Not sure how much variation among those places but I think Thailand gets brutally hot and humid in August. You might want to look at planning around climate? I was in Thailand in March. It is a nice and very clean country and very friendly people. But it was very hot and humid and I absolutely hate...
by Theseus
Sat May 06, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: question for accountants, business owners: what is normal?
Replies: 3
Views: 579

Re: question for accountants, business owners: what is normal?

Unless I am missing something it seem like this is very mismanaged business.

Do they have comptroller?

Most businesses should focus on cash flow and AR and have processes around ensuring they get paid in a timely manner. All other things can be - generally - fixed if you had timely cash flow.
by Theseus
Thu May 04, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3402

Re: Visiting Paris for 8 days - what to do?

I may run into OP in Paris. We are there of about the same time in the end of June. Rented a terrific apartment near the Eiffel tower. I find this thread to be really helpful to my trip as well. OP, If you haven't downloaded, I highly recommend downloading Google Trips app. It has city guides, itine...
by Theseus
Wed May 03, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1259

Re: Impact of Interest Rates on Bonds vs. Bond Mutual Funds

@PJW Thank you for the wiki link you sent in the earlier message, it was extremely useful. I read through it last night. Understood most of it. But will have to read again to understand all of it. But it did answer my question. My horizon is very long term. And I can see that for a long term holder,...
by Theseus
Mon May 01, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1259

Re: Impact of Interest Rates on Bonds vs. Bond Mutual Funds

Thank you for the detailed information - I will go through the wiki link. And I thought I was a very educated investor...ha!! So then, if one is NEVER EVER selling a bond fund then the risk is just a paper loss (or gain) and its impact on your target asset allocation? What I am trying to figure out ...
by Theseus
Mon May 01, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1259

Impact of Interest Rates on Bonds vs. Bond Mutual Funds

I know that bond prices usually move in reverse direction of the interest rate movement. And by corollary the NAV of the Bond Mutual Funds also. So one the ways to mitigate that risk and avoid the "loss of principal " is to own the individual bonds to its maturity. (Assuming that there is ...
by Theseus
Sat Apr 29, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4084

Re: Car maintenance for older cars - where do you go ?

For most of the routine maintenance I just take it to my neighborhood trusted mechanic. There is not much to the routine maintenance these days. I used to do a lot of it myself for my Toyota Corolla and I can't imagine why would I pay a dealer price for something as trust worthy as Toyota. But now t...
by Theseus
Sat Apr 29, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Business Startup and treatment of Net Operating Loss (NOL)
Replies: 1
Views: 223

Re: Business Startup and treatment of Net Operating Loss (NOL)

Bumping this up, in case anyone has information to share.
by Theseus
Fri Apr 28, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2728

Re: A Morbid Subject

I highly recommend reading the book https://www.amazon.com/Being-Mortal-Medicine-What-Matters/dp/0805095152/ref=sr_1_1?s=books&ie=UTF8&qid=1493406504&sr=1-1&keywords=being+mortal . When a doctor experienced in dealing with death is not prepared for their own death, it is very hard fo...
by Theseus
Thu Apr 27, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Business Startup and treatment of Net Operating Loss (NOL)
Replies: 1
Views: 223

Business Startup and treatment of Net Operating Loss (NOL)

Hi I plan to start a business (LLC or S-Corp) with my own capital. I will not be paying myself salary. Additionally I anticipate that in the first couple of years I will have more expenses than any revenue it may generate. Expenses will include travel, attending conferences and meeting, building net...
by Theseus
Mon Apr 24, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 7085

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

Data point. During a crash, stocks can lose 50-90%, bonds can lose 5-15%. Stock/bond crashes not typically coincidental. Bottom line. Don't sweat owing good bonds. I have heard this mentioned before that stocks can loose 50-90%. Is there any historical data that can back this up? It seems a very bo...
by Theseus
Mon Apr 24, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 7085

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

Data point. During a crash, stocks can lose 50-90%, bonds can lose 5-15%. Stock/bond crashes not typically coincidental. Bottom line. Don't sweat owing good bonds. I have heard this mentioned before that stocks can loose 50-90%. Is there any historical data that can back this up? It seems a very bo...
by Theseus
Mon Apr 24, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 21419

Re: Any regrets living a frugal life for high income/high networth individuals?

If the frugal lifestyle made you truly happy, then why would there be any regrets? And reverse of that, if you are having regret living frugally as a high net worth person then you are probably not happy and in that case what good is your high net worth? One thing I have noticed is that our regret s...
by Theseus
Sun Apr 23, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Flying to Asia and electronics ban
Replies: 9
Views: 1581

Re: Flying to Asia and electronics ban

I plan to visit Asia (Sri Lanka) in February and am an amateur photographer. I normally fly Emirates through Dubai and take my photo equipment as carry on. However, with the in cabin electronics ban, I would need to check my camera and lenses for the return flight. The odds of damage or theft seem ...
by Theseus
Sat Apr 22, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Adults-only All-Inclusive resort/hotel?
Replies: 21
Views: 2841

Re: Recommendation for Adults-only All-Inclusive resort/hotel?

When we were looking for a vacation that fit 3 different families' budgets, I found that Punta Cana in Caribbean to be of the best value in general. We had a fantastic time there. Ocean, beaches and sand are terrific. Only problem for us was language. Very hard to find english speaking staff there. ...