Search found 385 matches

by Theseus
Mon Jun 11, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2161

Re: Allowance [Giving allowance to child]

I was exactly in the same boat (check my similar post a year ago). After neglecting for many years, I started allowance for my DDs. Youngest was 11 when I started. We calculated all expenses they incur (cloths, shoes, etc.) annually. Then we set up a weekly allowance based on that. Got them a bank a...
by Theseus
Fri Jun 08, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4253

Re: How much to budget for a week long vacation for 2?

We usually estimate approximately $300 per person per day. This includes everything. But depending on what and where the vacation is, this amount can go up or down by 20-25%.
by Theseus
Tue Jun 05, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: First time Segway tour question
Replies: 14
Views: 924

Re: First time Segway tour question

i have done it several times. Most likely your 2.5 hrs will include some sightseeing. So I wouldn't hesitate with that option. It is very easy and within a few minutes you will get a hang of it. The only caveat is that in many places in US, you have to be 18 or older to segway so you may want to che...
by Theseus
Sun Jun 03, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4629

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

How about working for some interesting startups in the aerospace industry? This reminded me of a Planet Money series of three episodes about how things are in that industry. Even if he decides a different direction it’s a great story. Below is the link I found to the first episode. https://itunes.ap...
by Theseus
Sat Jun 02, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: Trip Report(mini) - Barge and Bike trip - Middle Rhine - Germany
Replies: 3
Views: 424

Trip Report(mini) - Barge and Bike trip - Middle Rhine - Germany

Dear BHs My daughter and I were on a 8 day barge and bike trip on the middle Rhine river from Cologne to Mainz. This is one of the most beautiful section of the Rhine. Biking is on mostly flat terrain and daily anywhere from 20 miles to 30 miles. I thought I would write a mini trip report. Mainly be...
by Theseus
Sat Jun 02, 2018 4:23 am
Forum: Investing - Theory, News & General
Topic: Entreprenuerial opinions/advice
Replies: 7
Views: 802

Re: Entreprenuerial opinions/advice

I have been working with a person who has a great concept and 3 patents issued (one pending) for anew device. SCORE was of great help here in NY but the SBDA had more extensive assistance and made for more networking. With that said funding any project without reasonable sales is nearly impossible....
by Theseus
Fri Jun 01, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13400

Re: Best Advice You Never Took

What is the best piece of advice you never took? Or, the best piece advice you ignored but shouldn't have? In 1992 when I was just starting out my career, a colleague of DW advised her to invest our savings in Vanguard S&P500 index fund. I thought he was full of himself and completely ignored it. :...
by Theseus
Fri Jun 01, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4254

Re: Travel advice for an engineer

I was impressed the Mayan structures in Peru last year when I was trekking the Inca Trail. Especially the Machu Picchu is very impressive.
by Theseus
Fri Jun 01, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Travel Journaling App/Website recommendations?
Replies: 5
Views: 439

Re: Travel Journaling App/Website recommendations?

I realize this won’t help you, but I wrote my own. You wrote your own app? or a website? That thought has crossed my mind. I wrote my own website. You can view it by clicking on the contact icon to the right and then the globe. It is all about bicycle touring, which is how I like to travel. Thank y...
by Theseus
Thu May 31, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Travel Journaling App/Website recommendations?
Replies: 5
Views: 439

Re: Travel Journaling App/Website recommendations?

Raybo wrote:
Thu May 31, 2018 2:36 pm
I realize this won’t help you, but I wrote my own.
You wrote your own app? or a website?

That thought has crossed my mind.
by Theseus
Thu May 31, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Travel Journaling App/Website recommendations?
Replies: 5
Views: 439

Travel Journaling App/Website recommendations?

Hi Does anyone use an app or a website to journal their travels? I would love to use DayOne app. It has exactly all the features I want (it is actually fantastic and would let me document my travels very easily). But their license agreement (even on the paid version) requires me to give them "...roy...
by Theseus
Thu May 31, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Entreprenuerial opinions/advice
Replies: 7
Views: 802

Re: Entreprenuerial opinions/advice

You seem to have done a lot of ground work. So you should feel fairly good about it. You should consider working with a SCORE mentor (www.score.org). You should be able to search for a mentor that has a background you desire. And you may want to continue the relationship as you build the business. I...
by Theseus
Tue May 29, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3171

Re: Cruise ships for multi-generational family

Whatever you decide, spend the extra money and get yourself a balcony even if no one else does. Whenever crowds, kids - or your own family - get to you, it's a little slice of heaven relaxing out there alone and watching the waves with a drink and some tunes. I dislike crowds and am more of an intr...
by Theseus
Tue May 29, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3171

Re: Cruise ships for multi-generational family

I would actually offer up Carnival Cruise as a suggestion. It's a boglehead approach to cruising as it is vary reasonably priced. The newer ships are nice, with great amenities. They have a wonderful kids programs for the young ones. If you're not a fan of being on a ship then find the itineraries ...
by Theseus
Sun May 27, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 12416

Re: Helping Adult Children (but not too much)

When our daughter started her first real job, we matched her Roth dollar for dollar for two years just to help get her started. We also fund a family vacation every year or so. She comes over once a week for dinner and we send her home with leftovers. Otherwise, it's good for her to manage and grow...
by Theseus
Wed May 09, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4630

Re: Which City to spend 4-6 weeks?

Most likely it will be from May 15 through June 15-30 (but I am flexible on that). Prince Harry is getting married on May 19th so you might take that into consideration if you go to or fly through London. If nothing else I would assume that security will be tighter than usual. Six weeks will be a l...
by Theseus
Wed May 09, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4630

Re: Which City to spend 4-6 weeks?

I would probably take London since it has quite a few low cost carriers which would make plane travel easy, but you would probably want more than a day wherever you go from there. Rome would be great as far as things to do and some day trips are possible from there. In Italy, I would take Florence ...
by Theseus
Tue May 08, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4630

Which City to spend 4-6 weeks?

I have been thinking about spending 4-6 weeks in one of the European cities next year (But also open to other parts of the world if it made sense). Most likely it will be from May 15 through June 15-30 (but I am flexible on that). I am looking for recommendations for cities that are able to meet fol...
by Theseus
Tue May 01, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: At what point should you hire a financial advisor?
Replies: 25
Views: 2384

Re: At what point should you hire a financial advisor?

Hi all, I'm in a fortunate position where I've sold a majority stake in my company in an effort to take some chips off the table, diversify, and ultimately sleep better at night. Portfolio-wise, I'm at a point now where I feel like I'm in way over my head. I've looked into fee-based advisors but wa...
by Theseus
Mon Apr 30, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Restaurants
Replies: 25
Views: 1972

Re: Las Vegas Restaurants

Avoid Trevi at Cesar’s forum shoppe. It used to be our favorite stops. But it was the worst food we have had in a long time (anywhere not only Vegas) when we went there in February. Food was so stale and tasteless we had to send it back twice and had to speak with management and to was still bad aft...
by Theseus
Sun Apr 29, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1573

Re: separately managed account -- worthwhile?

Yes to me 0.4% AUM is rather too high when there are similar options at Vanguard. That's why I did not follow the advise to invest in their SMA for munis. I instead I invest in VWALX and VWIUX with 0.09 expense ratio. These are admiral shares so hard to beat. Buying and managing index funds is not ...
by Theseus
Fri Apr 27, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1573

Re: separately managed account -- worthwhile?

High minimum investments such as $500K are required with not-outrageous annual asset management fees of for example 0.4% for munis. But is it really "not-outrageous"? An annual 0.4% AUM fee on $500,000 is $2,000. That would buy a lot of tacos. Yes to me 0.4% AUM is rather too high when there are si...
by Theseus
Fri Apr 27, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1573

Re: separately managed account -- worthwhile?

It only seems worthwhile for folks who don't know how or can't be bothered to effectively tax loss harvest throughout the year, no? No. My impression is that they are replicating the index and harvesting individual companies while maintaining overall representative exposure to sectors/index. Thus l...
by Theseus
Fri Apr 27, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1573

Re: separately managed account -- worthwhile?

Thesesus - I there a way to check the past performance of some of the fidelity SMAs? My advisor was able to show me when I met with him. He even showed me return of another client and how much capital loss they had incurred while the value of the account was very very close to S&P 500 return. But I...
by Theseus
Thu Apr 26, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 30
Views: 2415

Re: Financial planners [looking for one]

When I went to the bogleheads conference last year, I met 3 financial planners (I ended up being on the same table by chance). Based on the discussion it seemed they all approach financial planning in somewhat similar fashion to what we all follow here. While they were not there to solicit any busin...
by Theseus
Mon Apr 23, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1573

Re: separately managed account -- worthwhile?

As part of my overall portfolio planning with Fidelity assigned financial planner he had recommend that I invest in one of their products. After doing a lot of research I invested some $ in an SAM which is focused on mimicking S&P 500 return but at the same time it is focused on tax loss harvesting....
by Theseus
Thu Apr 19, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2850

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

This is not a mistake. I had some cash I had to park and they wouldn't let me use the Admiral shares. I was short by $3 of the minimum needed :) :). I think they have geared this Admiral shares for more of institutional type investors.
by Theseus
Wed Apr 18, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1209

Re: care.com -- any reviews / experience?

We used it for hiring a cleaning lady. We actually like her a lot. We used their service to do the background check as well. It was easy to cancel once we had hired. Keep in mind, you have to interview and screen the candidates yourself. But the review and rating system can be a good indicator. Tha...
by Theseus
Wed Apr 18, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1209

Re: care.com -- any reviews / experience?

We used it for hiring a cleaning lady. We actually like her a lot. We used their service to do the background check as well.

It was easy to cancel once we had hired.

Keep in mind, you have to interview and screen the candidates yourself. But the review and rating system can be a good indicator.
by Theseus
Tue Apr 17, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: IRS struggling to accept electronic filing
Replies: 3
Views: 863

IRS struggling to accept electronic filing

Hopefully most of the BHs have filed. But if you haven't yet I'd don't wait too long today.

https://www.washingtonpost.com/business ... 3e8617d29f
by Theseus
Sun Apr 15, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3322

Re: Las Vegas hotel

I recommend Paris or Venetian - even Wynn. These are in a central location of sorts. We stayed at Cesar's palace last year. I would not recommend that at all. Their ventilation system is way too old. You will pass through the casino full of smoke (a lot more compared other casinos) to get to the roo...
by Theseus
Sun Apr 15, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Dealing with claustrophobia
Replies: 4
Views: 530

Dealing with claustrophobia

I am not looking for medical advice. But more about experiences of people in a similar situation. Growing up I was never claustrophobic. I have realized in the last 15 years that I have become slightly claustrophobic. While I am generally healthy I have to get an MRI for a back issue. And it is givi...
by Theseus
Sat Apr 14, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 14508

Re: BH travel tips?

Merino wool clothing. You need 2-3 pairs of underwear and 2-3 pairs of shirts. That's it. I know it will gross out some people but you don't even need to wash them. You can easily go for 15-21 days without washing them. There is absolutely no smell. I have used them on my long treks and also some no...
by Theseus
Sun Apr 08, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44293

Re: Name something you had to have and now you regret purchasing it?

I have never been happy with my couches (sofa +loveseat). So I have purchased four pairs so far. Wasted $10,000+ on them. And fifth is on the way :oops: . Then I have a leather chase I don't use and doesn't go with everything in the house - $1200. And two recliners - $700 - that now just look ugly s...
by Theseus
Sat Apr 07, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax "Audit Defense" worth it?
Replies: 9
Views: 2072

Re: TurboTax "Audit Defense" worth it?

This article suggests it's not worth it given the coverage: http://time.com/money/3473/dont-pay-for-irs-protection/ When I had a complicated return a few years ago and wanted some more confidence, I did the H&R Block Second Look (https://www.hrblock.com/tax-offices/extended-tax-services/past-taxes....
by Theseus
Sat Apr 07, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax "Audit Defense" worth it?
Replies: 9
Views: 2072

TurboTax "Audit Defense" worth it?

I just finished my return in TurboTax. I have a complex situation in 2017 with business sale, large donation to charity, starting a new LLC and some investments from foreign bank accounts (all reported). TurboTax is offering Audit Defense for $44.99. I think in my situation it seems worth spending t...
by Theseus
Mon Apr 02, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 392

Re: How do I find the growth of $10,000 for a specific date range

Here's one for Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX): Growth is selected by default (top left of chart), which includes reinvesting dividends. http://quotes.morningstar.com/chart/fund/chart?t=VTSAX®ion=usa&culture=en_US Thank you. This is exactly what I was looking for. B...
by Theseus
Mon Apr 02, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 392

Re: How do I find the growth of $10,000 for a specific date range

Here's one for Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX): Growth is selected by default (top left of chart), which includes reinvesting dividends. http://quotes.morningstar.com/chart/fund/chart?t=VTSAX®ion=usa&culture=en_US Thank you. This is exactly what I was looking for. B...
by Theseus
Mon Apr 02, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 392

Re: How do I find the growth of $10,000 for a specific date range

Nate79 wrote:
Mon Apr 02, 2018 6:02 pm
Morningstar charts tab.
That's the first thing I tried. But I think that gives me only the price of the fund. I am looking for a total return including the dividends.

Or is there a way to do this in M* that I don't know how to?
by Theseus
Mon Apr 02, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 392

How do I find the growth of $10,000 for a specific date range

I am looking for a way to determine growth of $10,000 from a specific date. The sites I have seen gives this information for period in the years. But no way to specify specific date range. E.g. what would be my investment worth today if I had invested $10,000 on 1/17/2018. Is there any easy way to d...
by Theseus
Sun Mar 25, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1868

Re: Berlin - how many days and where to stay?

I love the squares in Europe where I can get a glass of wine or a cup of coffee and people watch. Is there something unique or flamboyant about the way you drink? :D Funny :D. Nothing flamboyant about me :) But I enjoy watching people since everyone else looks flamboyant after a few drinks :sharebeer
by Theseus
Sat Mar 24, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1868

Re: Berlin - how many days and where to stay?

Thank you all. This is great information. Based on this I am going to change the booking to add more days. But it will be total 5 days. Can't do more than that. But it seems I will want to go back anyway.
by Theseus
Thu Mar 22, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1868

Berlin - how many days and where to stay?

Hello fellow BHs I am planning to spend 3 days in Berlin in the end of May. I am wondering if that is too much time? And what is the best area to stay (I will most likely airbnb an apartment) that is central and/or easy to get to most touristy attractions? What should I MUST do? I usually like citie...
by Theseus
Wed Mar 07, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 22133

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

I went last year and decided to stay out. Not sure how much all the helps considering the demand.
by Theseus
Tue Mar 06, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 4187

Re: Cheapest way to get spare car keys

My lovely daughter has a 2014 Honda CR-V. She lost one key and now has just one remaining key. Twice in the past few months she has called me to say she lost that key and in an hour so she called back to say she found it. I’m trying to get her to buy a set of spare keys electively, rather than wait...
by Theseus
Sat Mar 03, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 8355

Re: Thinking of getting an Apple Watch

Another opposing view. I bought it when it came out first. And it is collecting dust since then. Two biggest issues for me are 1) I am farsighted. So I have to put on reading glasses to see anything on the tiny watch 2) I have to charge it every day - although it doesn't take very long. However, des...
by Theseus
Wed Feb 28, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Outward signs of a private company failing
Replies: 20
Views: 1308

Re: Outward signs of a private company failing

Very good points made by others so I won't repeat that. ....their business development folks are saying everything is rosy. No disrespect to any BD person, but every BD person I have met or hired has always said rosy things even when things were terrible. It's just in their personality/duties. So I'...
by Theseus
Thu Feb 22, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 29
Views: 3697

Re: $20,000 question - Galapagos or Serengeti safari ?

Bogleheads, need your expert opinions - family wants to go see wild animals in 2019. Family gets what family wants. Both trips roughly cost out to be the same all in for our family size. Did research on the top tours available at both places - not seeking luxury - but more utilitarian and value for...
by Theseus
Tue Feb 13, 2018 2:16 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2721

Re: Potentiometer for motor speed control- any electrical engineers around?

Not an EE here but I read all responses with a lot of interest - despite that I understood very little if anything. Just wanted to say I continue to be amazed at the depth and the breadth of our BH community and people’s willingness to help answer questions. BH is literally the first place I turn to...