Search found 209 matches

by Theseus
Mon Oct 16, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Interest Rates - What am I missing?
Replies: 2
Views: 311

Re: Interest Rates - What am I missing?

There is a currency risk involved. Euro was $1.08 earlier in the year and today it is $1.18. You can not know for sure if you are going to make money or loose money when you cash out - even with higher interest return of US.
by Theseus
Sat Oct 14, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1231

Re: Happy Consumer Story (Backpacking Tent)

We have Delta faucets when we got the house built 10+ years ago. And I didn't know they come with a lifetime warranty. So our kitchen soap dispenser was broken, I was looking to replace it. A friend told me about the warranty. I called them, they help me identify the discontinued model. And shipped ...
by Theseus
Sat Oct 14, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1231

Re: Happy Consumer Story (Backpacking Tent)

REI has a very liberal return policy. Makes me wonder how they stay in business. :shock: They have a loyal following. Their prices are usually on par with other big companies or slightly higher. But I would never shop anywhere else if I can get what I need from REI. Extremely knowledgeable sales st...
by Theseus
Fri Oct 13, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1724

Re: Earplugs that work on low frequency noise?

Talking to them might actually work better than anything else. When I hired our lawn service, I had specific condition to not do Friday afternoons and on the weekends or early mornings. Since your neighbor is not doing it himself/herself it shouldn't be a big deal. But if that doesn't work, I have u...
by Theseus
Fri Oct 13, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1399

Re: Does IRS have equivalent of credit freeze?

My wife and I are not eligible to request an IRS PIN, but I know our SS numbers and other info have been hacked at Equifax. What complications will we run into if we E-file a no refund 2017 joint tax return on January 26, 2018 and then file an amended return, with complete info that may or may not ...
by Theseus
Thu Oct 12, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1399

Re: Does IRS have equivalent of credit freeze?

It would seem that the IRS could add an entry block to the tax form where they would ask you to enter your AGI (or some other value) from your previous year's tax form. That would stop a lot of fake returns immediately. This would be an inexpensive and reliable check of the validity of a return. Wh...
by Theseus
Thu Oct 12, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1399

Re: Does IRS have equivalent of credit freeze?

THere have been many reports (I think there was a 60 minutes story also) on scammers filing fake returns. They will use stolen ssn, name etc and they submit a return online showing that they are owed a large refund. IRS will process that and deposit the refund amount in the bank account given. Then ...
by Theseus
Thu Oct 12, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 68
Views: 5227

Re: Protein Bars and Smoothies

my smoothie recipe - 2 scoops of goldstandard naturally flavored protien powder - half a cup of orange juice - 3/4 to 1 inch piece of ginger - 1/2 inch tumeric root (we get it from Wegmans) - 8-10 chuncks of pinneapple - 8-10 strawberries, or mango pieces - kale or spinatch - 10-12 drops of lemon ju...
by Theseus
Thu Oct 12, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1399

Does IRS have equivalent of credit freeze?

With all the data breaches going around I have finally frozen my credit at the three bureaus. So I was thinking I should do the same for my tax returns as that seem to be much harder to fix if someone files a false tax return. So went looking for that on IRS site and don’t see anything like that ava...
by Theseus
Thu Oct 12, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1568

Re: Washington DC Trip

Have you considered taking Segway tour. I haven’t done it in DC but did it in San Diego and it was a lot fun. We did that on the first day and then decided to go back to the places we were interested in during rest of the stay. DC has some of the most amazing restaurants for all budgets. I live in n...
by Theseus
Wed Oct 11, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2178

Re: Ecuador safe to travel and hike?

Thank you all. I think we will go to Ecuador with a guided tour.
by Theseus
Tue Oct 10, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2178

Ecuador safe to travel and hike?

I am thinking of going on a 8 day hike/trek with my college freshman daughter in January. She is not the type that would rough it out into a tent. So I have narrowed down to two guided treks that are reasonably priced that each has hotel stay so she has access to her bathroom and bed :-). Our first ...
by Theseus
Mon Oct 09, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6272

Re: Asking for discounts

I have a funniest story. In 1998 we had this guy that moved to work for our company from far away. He had sold everything he owned and drove down with just car and cloths. So he ended up going to Walmart to buy a bunch of things. His bill was about $2000. At the checkout counter he simply asked sinc...
by Theseus
Tue Oct 03, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1607

Re: Visiting Paris - should we buy tickets in advance?

Eiffel tickets on popular days sell out quickly - at least in the summer. If you want to be on the top at a specific time of the day (sunset), it may be worth buying ahead. We were there in summer. It was all sold out and we had to go through getyourguide.com. We ended up paying more for it. But the...
by Theseus
Wed Sep 27, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest cash to retire tomorrow?
Replies: 22
Views: 2803

Re: Where to invest cash to retire tomorrow?

Considering that you are 1. Not risk averse 2. Have marketable skills 3. Inheritance coming 4. Most likely you can adjust your lifestyle (in the worst case scenario) I would recommend no more than 20% in the bond index funds. Rest in broad market index funds and and some in international. Higher equ...
by Theseus
Wed Sep 27, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Another "Should I sell my business" thread
Replies: 26
Views: 2525

Re: Another "Should I sell my business" thread

Congratulations on your success. I am sure it is gratifying to see all the hard work come to fruition. I just sold my business about two months back at the age of 50. I am FIR. Here are my thoughts. In somewhat random order. 1. Nedsaid is correct. You will get the most value if you sell when its gro...
by Theseus
Wed Sep 20, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Spray Foam Insulation
Replies: 20
Views: 2019

Re: Spray Foam Insulation

When I finished my basement, I got the spray foam insulation in the basement ceiling for noise dampening. I regret doing that. If I ever have to fish the wire to run the lines, it is nearly impossible. I just ran into this last week. My AC line was punctured by a contractor that was drilling a hole ...
by Theseus
Tue Sep 19, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Finding contractor for small-ish, hourly job (deck carpentry)
Replies: 19
Views: 1090

Re: Finding contractor for small-ish, hourly job (deck carpentry)

I've used Thumbtack successfully to find people for jobs around the house. I am not sure if it is busy/good in all areas, but the last project I put on there was for a handyman. You select the type of service you want, provide details of the job, and then local service people can send you back thei...
by Theseus
Tue Sep 19, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5005

Re: Getting (young) kids interested in coding

I know others have said this. But Scratch is the best thing at that age. It is not overwhelming and kids can see the results fairly quickly. I have experience with this with two of my girls with very different process. As my older one is a freshman at V-Tech and younger just started 6th grade. Older...
by Theseus
Mon Sep 18, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24130

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

My Audi Q5 Hybrid - Sport Suspension....About to trade it in for my arriving Model X. Wow, I know the new iPhone is expensive, but trading in an Audi?? :wink: Congrats on the Tesla! Thank you. Tesla is more of an emotional buy for me - and I am blessed enough to be able to afford it without impacti...
by Theseus
Thu Sep 14, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: AAII conference
Replies: 4
Views: 480

Re: AAII conference

Thank you! I will go and see how it is.
by Theseus
Wed Sep 13, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: AAII conference
Replies: 4
Views: 480

AAII conference

I am trying to decide if this year's conference is worth attending. It will be my first time. For those who have attended this conference in the past, what value do you assign to it? Is it worth attending? I am an index investor but investment related topics interest me a lot.
by Theseus
Wed Sep 13, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24130

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

My Audi Q5 Hybrid - Sport Suspension. I really wanted hybrid and they had made only 300 that year. So I bought without seeing or test driving the sport suspension. I found out sport suspension isn't for me. But kept it for 5 years. About to trade it in for my arriving Model X.
by Theseus
Tue Sep 12, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on helping spouse feel that we are truly FI?
Replies: 18
Views: 1535

Re: Tips on helping spouse feel that we are truly FI?

Thanks for the input so far. To clarify why I posted this, my main purpose is to convince my wife that we are in good shape and have some options. She doesn't need to be as stressed about work or money at this point. The second reason is so that we can dream and discuss more about future options an...
by Theseus
Sun Sep 03, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6603

Re: When to give resignation notice

OP do you live in an employment at will state? I am in Virginia and it is employment at will. Our contract stated two weeks of notice. But I had one employee during an extremely critical stage of the project came into work Sunday night, left all his belonging and send an email with a resignation eff...
by Theseus
Sun Sep 03, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Dad as Investment Advisor for Kids
Replies: 51
Views: 3821

Re: Dad as Investment Advisor for Kids

I don't think there is anything wrong with what you have done so far. But going forward you may want to change it. Have you considered making them part of the process? My dad never directly taught me all of it, but he always made me part of the process when he was working on investments. Not only in...
by Theseus
Tue Aug 29, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6603

Re: When to give resignation notice

I would just give 3 months. But many times employers have reasons to walk you out earlier. If you are in a serious position with access to a ton of things they are worried about protecting their IP and their customer database among many other things. It is better for them to pay you severance. If yo...
by Theseus
Tue Aug 29, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing Estate Planning Attorney
Replies: 2
Views: 471

Interviewing Estate Planning Attorney

Hi I "retired" from my gig - sold my business - at 50 this year. We have no will and no estate plan. I know this is not very smart at my level of considerable wealth (In excess of $10 million). I am in the process of taking care of that this year. I have received referral for 3 attorneys so far. Whi...
by Theseus
Fri Aug 18, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16025

Re: Jobs that pay over $100,000

It depends what comes easy to him and how hard working he is. I am not of the opinion that you must have a career in what you love. As I tell my kids, there are things you will absolutely never want to do (e.g. my dd would never want to do anything with medicine - it grosses her out). But beyond tha...
by Theseus
Fri Aug 18, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7367

Re: How useful is a home security system?

OP I will directly address the question you posted. After a string of break-ins in our area 4 years back we considered getting a security system. During that time our HOA invited sherif's office to come and speak to people. It was a very illuminating. Additionally our county offers a specialized she...
by Theseus
Fri Aug 11, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2101

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: 2101

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: 1526

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: 43
Views: 2859

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: 3314

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: 2654

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 the wall ...
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: 384

Re: Comparing ROR across three funds

I suggest PortfolioVisualizer . Hope this is somewhat close to what you were looking for ... Good luck .... 8-) 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: 384

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: 384

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 return for FB...
by Theseus
Sat Jul 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Upcoming Marriott Stay
Replies: 13
Views: 1784

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: 12061

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: 12061

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: 12061

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 15k feet sounds impressive, but Eiger summit is around ...
by Theseus
Wed Jul 12, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 12061

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 15k feet sounds impressive, but Eiger summit is around ...
by Theseus
Wed Jul 12, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 12061

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: 228
Views: 30370

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 Congr...
by Theseus
Mon Jul 10, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 1782

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: 3646

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: 3646

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: 228
Views: 30370

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