Search found 291 matches

by goru1
Thu Jul 28, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 33
Views: 2524

Re: Canada vacation

How is this plan? Plan: - Drive to hotel, 1 day - Hotel, Near Green line, Honore Beaugrand station - Biodome, Green line, Viau station, 1 day - Insectarium, Green line, Viau station, 1 day - Botanical Garden, Green line, Pie-IX station, 1 day - Gray line tour, Green line, Peel station, 1 day - Retur...
by goru1
Wed Jul 27, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 33
Views: 2524

Re: Canada vacation

What is a good Montreal Metro station to pick for hotel search? We are planning to take Gray line tours.

Montreal Metro Map.
http://www.stm.info/sites/default/files ... c_2016.pdf

Gray Line Montreal
1255 Rue Peel, Montréal, QC H3B 4V4, Canada
http://www.grayline.com/montreal
by goru1
Tue Jul 26, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 33
Views: 2524

Re: Canada vacation

Do I need to know any French to visit Quebec city ( Drive, Public transportation, Food, Tour, Hotel etc. ) ?
by goru1
Tue Jul 26, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: BoA cash rewards credit card
Replies: 9
Views: 856

BoA cash rewards credit card

Is it a good card? We have checking and savings accounts at BoA. We use their online, ATMs and branches. We pay full balance every month. Card: 1% cash back on every purchase 2% at grocery stores 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter No annual f...
by goru1
Mon Jul 25, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 33
Views: 2524

Re: Canada vacation

Is it a good idea to take some of the Les Tours du Vieux Quebec City bus tours?

Tours:
Double Decker
Countryside & Double decker
...
https://toursvieuxquebec.com/en/home
by goru1
Sun Jul 24, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 33
Views: 2524

Re: Canada vacation

Is it a good idea to take some of the Gray line Montreal bus tours?

Tours:
A Day in Quebec city and Montmorency falls $87 12 hours
Heart of Montreal motorcoach city tour $43 3.5 hours
...
http://www.grayline.com/things-to-do/canada/montreal/
by goru1
Fri Jul 22, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 33
Views: 2524

Canada vacation

How is this plan? What extra planning is required like Medical insurance, Auto insurance, Credit cards, Debit card, Currency, Border, Language etc. Plan: Aug 2 Adults 2 Children Personal car Cross border in VT Montreal: Montreal Biodome Ottawa: Calypso water park Decide to continue or return same ro...
by goru1
Thu Jul 21, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3081

Re: Orlando Disney Parks

Is it a good idea to pick Pop Century over All-Star resorts because it has dedicated bus service? Both Pop Century and Art of Animation have dedicated bus service, which means neither resort shares buses with any other resort. That means that you won’t have to wait on the bus while it travels to oth...
by goru1
Thu Jul 21, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3081

Re: Orlando Disney Parks

Is it a good idea to take one day break after each day of park?
by goru1
Thu Jul 21, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3081

Re: Orlando Disney Parks

What are the cons of keeping it most flexible? I could think of extra cost and non availability of FastPass+. Book flight as late as possible. Book only one way flight. Book Disney value resort as late as possible. Book resort two days at a time. Buy Disney park tickets as late as possible. Buy park...
by goru1
Wed Jul 20, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Best kids beach resorts in USA?
Replies: 5
Views: 613

Best kids beach resorts in USA?

What are some of the best kids beach resorts in USA?
by goru1
Mon Jul 18, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Bermuda cruise
Replies: 21
Views: 1602

Bermuda cruise

Is this a good plan?

Plan:
Aug
2 Adults
2 Children
7-Day
Boston to Bermuda
Norwegian Dawn
Royal Naval Dockyard, Bermuda
Inside room
https://www.ncl.com/cruises/7-Day-Bermu ... 7BOSWRFBOS
by goru1
Sun Jul 17, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3081

Orlando Disney Parks

Is the following a good plan? What is a good place to buy Disney theme park tickets?

Plan:
Aug
5 nights
2 Adults
2 Children
Disney's All-Star Music Resort
Complimentary bus transportation
Magic Kingdom, Epcot, Animal Kingdom and Hollywood Studios
by goru1
Tue Jul 12, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 like 60/40
Replies: 6
Views: 1053

Re: 50/50 like 60/40

Those are big tilts
Fund advice ultimate buy & hold portfolio has similar tilts.

What kind of fees would you be paying compared to using index funds in a three fund portfolio?
All Vanguard ETFs.
by goru1
Mon Jul 11, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 like 60/40
Replies: 6
Views: 1053

50/50 like 60/40

Is the following 50/50 like 60/40 because of the tilt? Is it OK for my age? The fund advice ultimate buy & hold portfolio has similar tilts.

Age: 45

50/50:
All Vanguard ETFs
Large 10
Small 10
Reit 5
Intl Large 10
Intl Small 10
Intl Reit 5
Total Bond 25
Intl Total Bond 25
by goru1
Wed Jul 06, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Calculate 10 yr real difference 60/40 and 100/0
Replies: 2
Views: 676

Calculate 10 yr real difference 60/40 and 100/0

How do I calculate 10 yr real average annual return approximate difference between following 60/40 and 100/0 AAs? 60/40: Large 10 Small 10 Reit 10 Intl Large 10 Intl Small 10 Intl Reit 10 Total Bond 20 Intl Total Bond 20 100/0: Large 20 Small 20 Reit 10 Intl Large 20 Intl Small 20 Intl Reit 10 Infla...
by goru1
Thu Jun 23, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1186

Re: Stop playing the game in steps

I have edited original post.
by goru1
Thu Jun 23, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1186

Re: Stop playing the game in steps

100% bonds not necessarily keeping up with inflation

I have edited original post.
I don't think it's necessary to treat each goal separately

Retirement is a need and other goals are wants.
by goru1
Thu Jun 23, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1186

Re: Stop playing the game in steps

in total bond fund you won't keep up with inflation

You mean the average annual return was 5.4%. Given today's low interest rates, continuation of this historical performance is nearly impossible

What approximate AA with lowest risk would keep up with inflation?
by goru1
Thu Jun 23, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1186

Re: Stop playing the game in steps

in total bond fund you won't keep up with inflation For model 100% bond portfolio, average annual return is 5.4%. Vanguard portfolio allocation models Historical Risk/Return (1926–2015) 100% bonds Average annual return 5.4% Best year (1982) 32.6% Worst year (1969) –8.1% Years with a loss 14 of 90 h...
by goru1
Thu Jun 23, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1186

Re: Stop playing the game in steps

purchase of a new home

It is not a new purchase. I have edited original post.
by goru1
Thu Jun 23, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1186

Stop playing the game in steps

Does the following make sense? Age: 45 AA: Age-10 Needs - Retirement: Reach retirement number Transfer to 100% Target retirement income fund Wants - House paid, College, Early retirement, Inheritance, etc.: New money to 100% Total World Stock Reach (not necessarily pay) wants number Transfer to 100%...
by goru1
Wed Jun 22, 2016 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5268

Re: Accounting or Computer Science

Based on the responses, Is my understanding of following cons correct?

CS:
Sexism
Ageism
Skills get out dated
Low stability
Off-shoring

Accounting:
Boring
by goru1
Tue Jun 21, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5268

Re: Major - Accounting or Finance

I merged goru1's later thread back into the original.

These are two separate topics.

- Accounting or Finance
- Accounting or Computer Science
by goru1
Tue Jun 21, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5268

Re: Accounting or Computer Science

Is there a place to see undergrad curriculum for accounting and computer science?
by goru1
Tue Jun 21, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5268

Re: Accounting or Computer Science

Is it correct that following are the CS cons?

- Effects of offshoring in second half of career from 45 to 65
- Women percent is low, approximately 20%
by goru1
Tue Jun 21, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Accounting or Computer Science
Replies: 67
Views: 5268

Accounting or Computer Science

Which is a better suggestion to a young person? Assume the young person has similar interest in both options.

- Accounting ( Masters, CPA, Big four 5 years, MBA, Corporate job )
- Computer Science ( Masters, Some certification, CS Big four Google etc. 5 years, MBA, Corporate job )
by goru1
Mon Jun 20, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Good college major quiz
Replies: 15
Views: 1724

Good college major quiz

What is a good college undergrad major quiz to suggest to a young person?
by goru1
Fri Jun 17, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 1889

Re: Good place to buy new washer dryer

Is following a good washer? Washer: lowes.com Search filters: Top-Load, < $600, 0 to 3.6 cu ft Whirlpool $329 3.5-cu ft High-Efficiency Top-Load Item # 670295 Model # WTW4815EW 2501 Reviews 4.5 Average 87% recommend this product http://www.lowes.com/pd/Whirlpool-3-5-cu-ft-High-Efficiency-Top-Load-Wa...
by goru1
Fri Jun 17, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 1889

Re: Good place to buy new washer dryer

An appliance store.

Which is a better option Sears, Lowes, Home depot?
by goru1
Fri Jun 17, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 1889

Good place to buy new washer dryer

What is a good place to buy new washer dryer? I want minimum of my involvement (measurements, recommendation, estimate, buy, deliver, install, install pan, test, take away old ones, return if needed, repeat the process if needed, future repairs, don't think about it for 10 years). Which is a better ...
by goru1
Wed Jun 15, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Parent plus loan or Cosign private student loan
Replies: 6
Views: 384

Re: Parent plus loan or Cosign private student loan

I recommend choosing neither option.

What are the other options to cover the difference between the total cost of attendance and the financial aid received?
by goru1
Wed Jun 15, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Parent plus loan or Cosign private student loan
Replies: 6
Views: 384

Parent plus loan or Cosign private student loan

Which is a better option Parent plus loan or Cosign private student loan?
by goru1
Tue Jun 07, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Good age to add minor as AU [Authorized User] on parent's CC
Replies: 20
Views: 1330

Good age to add minor as AU [Authorized User] on parent's CC

What is a good age to add minor as authorized user on parent's BoA credit card? The only purpose is to build credit history. The minor would not see the credit card or know the account number.
by goru1
Mon May 23, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Convert sitting desk into a standing one
Replies: 4
Views: 388

Re: Convert sitting desk into a standing one

No. You can get a complete sit / stand desk from Ikea at $229.
http://www.ikea.com/us/en/catalog/products/S49084965/

I am not good at assembly.
by goru1
Mon May 23, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Convert sitting desk into a standing one
Replies: 4
Views: 388

Convert sitting desk into a standing one

Is following a good solution for home use? Readydesk 2: - $169 - Made in California - Two adjustable shelves - Shake-free cross-bracing - Holds up to two 24" monitors (some monitors may not fit) - Four slots for holding cables in place - Assembles and disassembles without tools - Fits people 5'...
by goru1
Sat May 21, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Corporate ladder and Balanced life
Replies: 2
Views: 505

Corporate ladder and Balanced life

Is it possible to rise (beyond approximately 100K) in corporate ladder and also have a balanced life (spiritual, health, marriage, parenting, job, personal finance etc.)?

To rise corporate ladder some of the requirements are extra hours, travel, switch jobs, relocate etc.
by goru1
Thu May 19, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Paid PSAT and SAT online prep
Replies: 1
Views: 239

Paid PSAT and SAT online prep

Is following a good suggestion for paid PSAT and SAT online prep? What is a good grade to start taking paid PSAT and SAT prep? $400 PrepScholar 160+ Point Guarantee 5 Day Risk-Free Trial 1 year access, no hour limitations 40 hours of content 600+ total practice questions 98 skill lessons 49 fine-gra...
by goru1
Wed May 18, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Major - Accounting or Finance
Replies: 41
Views: 182

Re: Major - Accounting or Finance

For accounting program, does it matter to have AACSB "Business and Accounting" accredited or OK to have only "Business" accredited?
by goru1
Wed May 18, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Major - Accounting or Finance
Replies: 41
Views: 182

Major - Accounting or Finance

Which is a better suggestion accounting ( CPA, Big 4, Corporate, Possible MBA ) or finance ( Possible CFA, Corporate, Possible MBA ) from national universities ranked 25 to 75 ?
by goru1
Mon May 16, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2944

Re: College - In state - Children staying close to parents

Of course the flip side is that if a kid blows up far from home it tends to be a bigger blow up. So it kind of depends on your kids and how mature they are.

Is it OK to assume that high percentage of the kids don't have the required maturity at 18?
by goru1
Mon May 16, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2944

Re: College - In state - Children staying close to parents

Personally, I needed to gain independence in college and I knew that. I only applied to schools that were 8+ hours of driving from my parents' home.

Is it possible to stay in state and also gain independence?
by goru1
Mon May 16, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2944

Re: College - In state - Children staying close to parents

There may be many out of state schools that are closer than some in state schools.

I have changed out of state to far away states in my original post.
by goru1
Mon May 16, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2944

Re: College - In state - Children staying close to parents

I have made choices to move to areas that I was/am interested in that would also allow my career to continue to grow.

Assume college rankings and career options are similar in state and out of state.
by goru1
Mon May 16, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2944

Re: College - In state - Children staying close to parents

Why would you want your kids to live near you?
So we could see our children and grandchildren more.
by goru1
Mon May 16, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2944

College - In state - Children staying close to parents

Do the following assumptions make sense? Assume college rankings and career options are similar in state and far away states. If the children go to in state versus far away states college. They would be close to parents during college for approximately six years including graduate school. There are ...
by goru1
Sat May 14, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 4539

Re: National Universities rankings 25 to 75 - Highest priority

Is it true that in second half of career from 45 to 65, computer science has more continued education compared to accounting ( CPA, Big 4, Corporate )?
by goru1
Sat May 14, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 4539

Re: National Universities rankings 25 to 75 - Highest priority

Does it make sense to suggest Accounting ( CPA, Big 4 ) over Computer science because of the following Computer science cons?

Computer science cons:
- Off-shoring
- Continued education
- Age discrimination
by goru1
Fri May 13, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 4539

Re: National Universities rankings 25 to 75 - Highest priority

Also note that comp sci, math, physics and engineering majors tend to offer the most flexibility after graduation due to their perceived rigor.

Does accounting also offer similar flexibility after graduation as computer science?

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