Search found 450 matches

by Theseus
Mon Dec 17, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: peloton fitness bike
Replies: 22
Views: 2359

Re: peloton fitness bike

Several earlier threads, here's one: https://www.bogleheads.org/forum/viewtopic.php?t=250381 Yeah, I think we beat it to death already in the thread stan1 posted. There are a few Peloton camps, so here's the TL;DR version to save you some time: 1) "real" cyclists hate Peloton and everything it stan...
by Theseus
Sun Dec 16, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6425

Re: Personal Adventure - recommendations

How about taking a look at: "A History of the World in 500 Walks" by Sarah Baxter. https://www.amazon.com/History-World-500-Walks/dp/162686554X A friend gave it to me for a present and I've been in a crisis of decision ever since. :-) Funny. I got the same book as an early Christmas gift. I have do...
by Theseus
Sat Dec 15, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 88
Views: 4125

Re: Should I buy a Tesla?

I test drove the Tesla yesterday, without a doubt I was impressed. I am now worried about Tesla’s ability to compete once other manufacturers start releasing comparable cars. The whole Tesla sales model frankly sucks. These guys want you to pay retail for their car but will buy your car for wholesa...
by Theseus
Fri Dec 14, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 64
Views: 3451

Re: Imminent retirees & sequence fear

OP If you have faith that equities can come back from serious downturn if given enough time then In your situation a bucket approach may ease your mind. Listen to the last Bogleheads podcast where Rick interviewed Christine Benz from MorningStar. Basically Bucket 1 is 2-3 years of living expenses in...
by Theseus
Tue Dec 11, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4202

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

To stay on the topic and answer OP's question...

I would do parts of Europe with that budget. Eastern Europe is amazing, less touristy (compared to Western Europe) and much cheaper. While I have personally not done this, you can stay in hostels to save money and meet a lot of new people.
by Theseus
Mon Dec 03, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 881

Re: Muni-bond ladder or Muni-bond mutual fund

A good article by Alan Roth on this issue. Pay close attention to the hidden fee in the bid/ask spread that you’ll never know about because it’s not trivial. For me it’s a no brained to use muni bond fund. https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choice/ Thank you BigJohn. This seal...
by Theseus
Mon Dec 03, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 881

Re: Muni-bond ladder or Muni-bond mutual fund

It says Average YTW is 2.377%. Definition : YTW or Yield to Worst - Yield to Worst is the lowest potential yield that can be realized on the bond absent an event of default by the issuer. It generally reflects the lower of yield to maturity or yield to call. Thanks. VWIXU has an SEC Yield (equivale...
by Theseus
Mon Dec 03, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 881

Re: Muni-bond ladder or Muni-bond mutual fund

Are you talking about this service? https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/managed-accounts/Breckinridge-intermediate-muni-sma-ov.pdf If so, I think the cost may be $810 per quarter. Edit: Or were they just running their bond ladder tool for you (also available online), ...
by Theseus
Mon Dec 03, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 881

Re: Muni-bond ladder or Muni-bond mutual fund

Does their report list an average yield? (Note: "yield", not "coupon"). If I'm running my spreadsheet numbers correctly, I think I'm coming up with a yield of 1.9%. It says Average YTW is 2.377%. Definition : YTW or Yield to Worst - Yield to Worst is the lowest potential yield that can be realized ...
by Theseus
Mon Dec 03, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 881

Re: Muni-bond ladder or Muni-bond mutual fund

I have always understood that a bond fund was better for most people because of the diversification, professional management and expenses. Unless you really know what you are doing, you are likely to pay more and sell for less due to the opaque buy/sell spread. I understand the spread can be signif...
by Theseus
Sun Dec 02, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Foundation or Nonprofit entity. What is involved?
Replies: 4
Views: 333

Foundation or Nonprofit entity. What is involved?

Hello Bogleheads I have a specific social cause in a foreign country for which I will be spending some amount of my time and large sum of money over remainder of my life time. I am really struggling to figure out how to use my money to accomplish this effectively with the least amount of administrat...
by Theseus
Fri Nov 30, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 881

Muni-bond ladder or Muni-bond mutual fund

Dear Boglehead I am trying to figure out what is a better option for me. I am FIREd for about 1 year. I am able to live with the dividend and capital gains distribution from my equity index fund investments. I have about $900,000 that need to stay in bond asset class. This investment is not for inco...
by Theseus
Mon Nov 19, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Good audio book for a family?
Replies: 33
Views: 1833

Re: Good audio book for a family?

Harry Potter?
by Theseus
Mon Nov 19, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3817

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

I live in NoVA area but far from Crystal City. Considering how the job market has behaved locally for the last 30 years - even during the multiple recessions, your worst case scenario is probably a little below average appreciation (not a loss) on the condo. But if HQ2 and $1 billion VA Tech campus ...
by Theseus
Tue Nov 13, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29302

Re: [Financial] Habits of the Rich

- At the age of 27 I had a goal of saving $1 million by the time I was 40. At the time I thought that was enough to retire. Surpassed the goal by a mile, but realized can't retire on that based on the lifestyle I wanted in the retirement. So goal setting can be helpful. - Always worked at least 20% ...
by Theseus
Mon Nov 12, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2129

Re: Global Entry Turnaround Time ?

Well, maybe I answered a question where "no good deed goes unpunished." The question was have you ever been convicted of a crime, and I stated yes and described it, which was "speeding ticket many years ago." Technically, I didn't bother to search whether it is in fact a crime in our state (you los...
by Theseus
Mon Nov 12, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9968

Re: Granddaughter needs $ help for university

In my books education is the best gift to give anyone - especially a family member. This is a classic definition of teaching someone to fish....so If you can afford to help her with that then I would pay for it. Or perhaps loan her the money with a written agreement that she has to pay you back with...
by Theseus
Sat Nov 10, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bond funds and Capital Gains
Replies: 11
Views: 1180

Re: Muni Bond funds and Capital Gains

no it generates income. I know bonds and bond funds generate income. But I am more interested in capital gains associated with individual bond holdings in the mutual fund. So to elaborate - if the fund purchased an individual bond at a discount in the open market (say at $80) which was at less than...
by Theseus
Sat Nov 10, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Online one-on-one language tutoring experience?
Replies: 4
Views: 295

Re: Online one-on-one language tutoring experience?

I am learning Italian. I have been doing it off and on for years. I’ve taken local classes, checked books out of the library, used language tapes, and on-line apps. Once I had enough proficiency to carry on a bit of a conversation, I discovered Conversationexchange.com , a site that lets you connec...
by Theseus
Sat Nov 10, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Online one-on-one language tutoring experience?
Replies: 4
Views: 295

Re: Online one-on-one language tutoring experience?

I am at the same stage with an Asian language I am interested in for business reasons. I have spent enough time on classroom-style studying; now I am at the point where 10 minutes of conversation per week would do more than 10 hours of studying books per week. It's difficult to find a resource will...
by Theseus
Sat Nov 10, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bond funds and Capital Gains
Replies: 11
Views: 1180

Muni Bond funds and Capital Gains

Do the Municipal Bond funds like VWIUX (Vanguard Intermediate-Term Tax-Exempt Fund) generate annual capital gain as their holdings mature? I am assuming they buy the individual bonds and hold to the maturity based on the duration objectives of the fund. Since it is muni bond fund, it will be exempt ...
by Theseus
Sat Nov 10, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Online one-on-one language tutoring experience?
Replies: 4
Views: 295

Online one-on-one language tutoring experience?

I have been wanting to learn conversational Spanish for a while - I know less than 10 words of Spanish. I have tried a few apps and seen some cookie cutter classes online etc. I have no interest in that as it does not seem to fit my style of learning. So I looked for local community classes - but th...
by Theseus
Fri Nov 09, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15046

Re: How much money are you leaving your kids after you die?

I am FIREd at the age of 50 with the net worth in 8 figures. I have struggled with this question a lot and lately coming to a full circle - from not leaving a penny to let them decide what to do with it. I have told my kids not build their life with expectation of any inheritance. I grew up lower mi...
by Theseus
Thu Oct 18, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6425

Re: Personal Adventure - recommendations

Learn to paraglide and then follow flying season all around the world. How do I find places nearby that can teach and help me get a license? The United States Hang Gliding and Paragliding Association is the "regulator" in the USA. You should check here https://www.ushpa.org/ to find a school/instru...
by Theseus
Wed Oct 17, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6425

Re: Personal Adventure - recommendations

WS1 wrote:
Wed Oct 17, 2018 6:55 pm
Learn to paraglide and then follow flying season all around the world.
How do I find places nearby that can teach and help me get a license?
by Theseus
Tue Oct 16, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6425

Re: Personal Adventure - recommendations

I will be watching this thread with interest. I don't have a desire to do something this long in duration, but I may get some ideas from this. Since you asked for something in the duration of 2-6 months, I recommend hiking in Nepal without a sherpa or a guide. The vista and scenery are eye-popping, ...
by Theseus
Tue Oct 16, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: de-balling down comforter?
Replies: 7
Views: 624

Re: de-balling down comforter?

Thank you. I will try this. But it has been dry for a few weeks now. So I am not sure there is any moisture left. But I have nothing to loose so I will try.
by Theseus
Tue Oct 16, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5578

Re: Jury duty - already booked vacation

I just had to go through with the same thing 3 months back. I was already booked for a Europe trip when I received the summons from our county court. I called them on the number provided in the summons. They requested the reservation details for flights etc. I provided it and they rescheduled me a m...
by Theseus
Mon Oct 15, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: de-balling down comforter?
Replies: 7
Views: 624

de-balling down comforter?

Being stupid me, I washed my favorite down comforter in the washer and then dried in the drier. :oops:. I guess I should have sent in for dry cleaning. Well, all the down feathers are balled up in its own squares and despite trying hard it won't get it back to what it was before - or even close. Bef...
by Theseus
Sun Oct 14, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Gore-tex warranty experience
Replies: 7
Views: 890

Gore-tex warranty experience

I thought I would share my experience here for fellow BHs. During my hike on Inca Trail, there was a heavy downpour on the last day, and my six years old Vasque shoes that have suffered good amount of rough hiking, got completely wet from inside. They are supposed to be waterproof with Gore-tex mate...
by Theseus
Sun Oct 14, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2752

Re: Making Winter Camping more comfortable

There is one trick I learned when I trekked twice in Nepal in December. Temperature routinely got below 20 sometimes we high winds. Although we were in tea houses, there was no insulation and cold air/wind was coming through the cracked windows and doors. We would fill up the 1 or 2 Nalgene bottles ...
by Theseus
Wed Aug 22, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2813

Re: Umbrella insurance - again

I'm not sure that much you get here will be useful, as your personal liability exposure matters a great deal, as well as the liability "climate" in your state and locality. I suggest getting multiple quotes to get a better read on things. Or, if you're willing, post more information about your expo...
by Theseus
Wed Aug 22, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2813

Umbrella insurance - again

I know this has been asked before. But wanted to see if this quote makes sense from All State.

$1 million for $338
$2 million for $592

Does this sound reasonable quote? I am inclined to take $2 million.
by Theseus
Fri Aug 10, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Estate plan question
Replies: 2
Views: 401

Estate plan question

We are working on our estate plan with an attorney. One of the question he has asked us is below. - Whether to include any provisions for your parents, should they survive you. DW and I agree we do want to take care of them and not have them struggle in their old age. We will be able to leave enough...
by Theseus
Thu Aug 09, 2018 6:00 pm
Forum: Forum Issues and Administration
Topic: Private Messages stuck?
Replies: 8
Views: 625

Private Messages stuck?

I am not sure if my PMs are going out. I have sent/replied to 3 PMs. And they show in the Outbox . Since the recipient never sent a message ackonledging that they received the response, I am wondering if they are going out or not. How do I check if they have actually been sent? If they were sent the...
by Theseus
Thu Aug 09, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3526

Re: Grind and Brew Coffee Makers - worth it?

I have a Saeco for last two years. And absolutely love it. We paid about $500 at Costco. Other reviewer said he has problems with theirs. But mine is trouble free. I probably to deep cleaning every two months and descale it 4-6 months when it notifies me. Only problem I had was that it would grind t...
by Theseus
Wed Aug 08, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Deciphering fake reviews online
Replies: 6
Views: 891

Deciphering fake reviews online

BHs I cam across this Planet Money podcast that talks about how one guy developed a site to suggest problems with online reviews on products listed on Amazon. I thought I'd pass it along - as I am sure many of you rely on these reviews like I do. Planet Money podcast #850 The site is https://reviewm...
by Theseus
Sun Aug 05, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16258

Re: Will you pay for your kids' college/graduate education?

In my early years I used to be of the opinion that the kids should take a loan. This had nothing to do with our financial situation - as we could easily afford to pay. I just wanted them to realize the value of money and be responsible about it. A good friend and my mentor convinced me otherwise. I ...
by Theseus
Fri Aug 03, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1832

Re: Good biotech funds

I have some aggressive money in FBIOX and VHT. I invested in FBIOX coming off its unbelievable performance in 2014-2015, and a few months later it crashed about 45%... Just finally recovered this year. Never again! :beer I think I invested in late 2013 or in 2014. And since I am buy and hold guy, I...
by Theseus
Fri Aug 03, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1832

Re: Good biotech funds

I have some aggressive money in FBIOX and VHT. They both have done well for me. FBIOX is more of a bio-tech type fund. VHT is more of a health care.
by Theseus
Fri Aug 03, 2018 5:40 am
Forum: Personal Consumer Issues
Topic: Inversion table recommendations
Replies: 1
Views: 255

Inversion table recommendations

I am looking for an inversion table to stretch my back. I am looking for a recommendation. And what features should I be looking for?
by Theseus
Thu Aug 02, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2239

Re: Hiking vacation in November - any recomendations?

Not sure your fitness level and how difficult the treks you want to take. But several out of the country might be worth considering. The ones below are usually guided treks with porter/help support for your luggage, meals etc. So it should be safe because you will have a team/group. 1. Inca Trail in...
by Theseus
Wed Aug 01, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group
Replies: 45
Views: 8426

Re: Fidelity Private Client Group

I'm a PCG member, and meet with my advisor every year or 18 months. I met with her about 3 months ago, and asked what the current minimum was, and she said $1M. It used to be $500K when I moved my money back to Fidelity in 2013. For the most part, unless you use their money management services (PAS...
by Theseus
Tue Jul 31, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 5311

Re: How to prepare for "the talk"

How comforting it must be for your parents that you care to ask about it and perhaps do something about it. Those who says none of your business, think from the parents’ view point. They took out loans to pay for their kids with no expectations. In their 60s they know for sure they may struggle fina...
by Theseus
Tue Jul 31, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3756

Re: Chase Sapphire Reserve travel insurance

I purchased my ticket with Chase and Chase reimbursed me to replace what I had lost when my bag was returned with items missing. I should have done that. I bought a nice backpack for my daughter in Barcelona. Didn't lock my bag. And it was packed on the top. At home we kept searching all the bags. ...
by Theseus
Mon Jul 30, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group
Replies: 45
Views: 8426

Re: Fidelity Private Client Group

I just got a confirmation from my PCG advisor that PCG is alive and well for $1 million+ clients. I didn't ask about why web page was removed.
by Theseus
Mon Jul 30, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: 8 days in Poland - suggestions?
Replies: 15
Views: 1333

Re: 8 days in Poland - suggestions?

Thank you all for great input.

Is driving safe and fun in Poland? I was thinking of flying into Gdansk and make my way to Krakow. Not sure if that is worth it or not.
by Theseus
Sun Jul 29, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: 8 days in Poland - suggestions?
Replies: 15
Views: 1333

Re: 8 days in Poland - suggestions?

I know you are asking about Poland, but I see that you will be very close to Berchtestgaden. It is worth a day, especially if it is sunny and clear. Thank you for the tip. I have two days in Salzburg after my hike. So I can do that while I am in Austria. Anything specific you recommend there? I fou...
by Theseus
Sat Jul 28, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: 8 days in Poland - suggestions?
Replies: 15
Views: 1333

Re: 8 days in Poland - suggestions?

Raybo wrote:
Sat Jul 28, 2018 2:53 pm
I know you are asking about Poland, but I see that you will be very close to Berchtestgaden. It is worth a day, especially if it is sunny and clear.
Thank you for the tip. I have two days in Salzburg after my hike. So I can do that while I am in Austria.

Anything specific you recommend there?
by Theseus
Sat Jul 28, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: 8 days in Poland - suggestions?
Replies: 15
Views: 1333

Re: 8 days in Poland - suggestions?

I have 8 days in Poland in the first week of October. This is right after my 8 day hike in Austria If you're into hiking, especially in the mountains, I'd suggest splitting your visit between Krakow and a few days in Zakopane in the Tatras. There's both bus and train service between the two out of ...