Search found 601 matches

by Theseus
Fri Dec 06, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming retirement from Federal Government
Replies: 18
Views: 1091

Re: Upcoming retirement from Federal Government

OP here. Thank you all for great information. I will be reading a lot of OPM stuff as recommended. But couple of data points. DW is coming up to 34th year of her service. Of that first 12 were full time. After our first child she went 20 hrs a week for about 8 years. Then after the second child she...
by Theseus
Fri Dec 06, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Upcoming retirement from Federal Government
Replies: 18
Views: 1091

Re: Upcoming retirement from Federal Government

OP here. Thank you all for great information. I will be reading a lot of OPM stuff as recommended. But couple of data points. DW is coming up to 34th year of her service. Of that first 12 were full time. After our first child she went 20 hrs a week for about 8 years. Then after the second child she ...
by Theseus
Thu Dec 05, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming retirement from Federal Government
Replies: 18
Views: 1091

Upcoming retirement from Federal Government

DW is eligible to retire November 2020. She is going to a retirement seminar soon. But I know there are several fed BHs here so I thought I'd ask initial questions so she can prepare for this better. 1. Health Insurance Currently we are covered by her insurance. She is not a full time employee. She ...
by Theseus
Tue Dec 03, 2019 2:54 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 229
Views: 28148

Re: I’m done with index funds

amazes me that an intellignet HNW / UHNW investor woudl consider this for TLH. The benefit is small and the risk of being taken advantage of, is high. Not worth it. i bet the investor can just take his dividends in cash and live off it later in life if needed, esp since they are adding 500k per yea...
by Theseus
Sun Dec 01, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Is The Value of Your Net Worth Important to You?
Replies: 74
Views: 6142

Re: How Much Is The Value of Your Net Worth Important to You?

Surpassed my goals by 50%. So there is a very remote chance of us running out of money before we pass. However having retired at 50 (now almost 53) I still would want my net worth to remain stable until I am 65. This is just a psychological thing. From a rational numbers standpoint this thinking mak...
by Theseus
Sat Nov 30, 2019 5:36 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 229
Views: 28148

Re: I’m done with index funds

amazes me that an intellignet HNW / UHNW investor woudl consider this for TLH. The benefit is small and the risk of being taken advantage of, is high. Not worth it. i bet the investor can just take his dividends in cash and live off it later in life if needed, esp since they are adding 500k per yea...
by Theseus
Sat Nov 30, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 17
Views: 2533

Re: Mother gave out social security number to fraudulent caller

Hi My mother told me she gave out her SSN to a caller who told her she was from Homeland Security. This happened 3 months ago. Other than checking her credit reports and freezing her credit what else should I be doing? Underlying question: Did she give any other information? Birth date. Previous ad...
by Theseus
Sat Nov 30, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 17
Views: 2533

Re: Mother gave out social security number to fraudulent caller

Thank you for everyone’s input. So far nothing bad has happened on her credit. We have frozen her credit report. And told never to panic when someone threatens her on the phone.

We are hoping her ssn is not going to be used to file a fake tax return.
by Theseus
Fri Nov 29, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Searching for a thorough online retirement planning / expense projection tool
Replies: 6
Views: 545

Re: Searching for a thorough online retirement planning / expense projection tool

Hi - I am struggling to find software or a web portal that will help me do financial projection towards retirement. I want a simple projection of continuing asset growth, input of salaries for me and my spouse until anticipated retirement, input of our 401k contributions, the ability to detail all ...
by Theseus
Fri Nov 29, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 305
Views: 18867

Re: Retirement Friendly States

I’m in Chicago and I’m very close to making the same decision. Have personal history in Charlotte, but prefer the Triangle for easing into retirement. Also looking at Loudoun County Virginia and Nashville / Franklin, but Raleigh / Cary are in the lead and likely to win. Reasoning very similar to yo...
by Theseus
Fri Nov 29, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 305
Views: 18867

Re: Retirement Friendly States

I’m in Chicago and I’m very close to making the same decision. Have personal history in Charlotte, but prefer the Triangle for easing into retirement. Also looking at Loudoun County Virginia and Nashville / Franklin, but Raleigh / Cary are in the lead and likely to win. Reasoning very similar to yo...
by Theseus
Fri Nov 08, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 17
Views: 2533

Mother gave out social security number to fraudulent caller

Hi

My mother told me she gave out her SSN to a caller who told her she was from Homeland Security. This happened 3 months ago.

Other than checking her credit reports and freezing her credit what else should I be doing?
by Theseus
Thu Nov 07, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Using credit cards -international travel
Replies: 17
Views: 722

Re: Using credit cards -international travel

OK. My original post was hastily written. All of you are correct. What I should have said is that charging in local currency saves me 5-10% rather than US$. If I accept their conversion to US$ it is always a bad rate. And same applies to ATM.
by Theseus
Thu Nov 07, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Using credit cards -international travel
Replies: 17
Views: 722

Re: Using credit cards -international travel

I have read when traveling internationally, it is best to have the merchant charge in the local currency rather than US Dollars I travel internationally quite a bit. This is reverse of my experience. I have CSR card. And charging in US$ rather than local currency saves me 5-10%. I check this every ...
by Theseus
Thu Oct 24, 2019 7:06 pm
Forum: Investing - Theory, News & General
Topic: Reverse mortgages - Brookings webinar
Replies: 1
Views: 247

Reverse mortgages - Brookings webinar

There have been past discussions around reverse mortgages. So I thought this may be useful to some folks. There are times I go to Brooking (among other think tanks) for variety of discussions and I have found the quality of discussion and expertise of the panel to be fairly high. You can also attend...
by Theseus
Tue Oct 22, 2019 2:41 am
Forum: Personal Finance (Not Investing)
Topic: 501(c)(3) Public-Charity or a Private Foundation?
Replies: 38
Views: 2361

Re: 501(c)(3) Public-Charity or a Private Foundation?

I would NOT rely on your Fidelity rep's opinion that a DAF you control can recommend grants to a 501c3 you control. I think there was a recent thread somewhere on these forums where the opposite conclusion was mentioned. This is a lot of money. IMO, you should do your own research and/or hire an ac...
by Theseus
Fri Oct 18, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4176

Re: Old bourbon whisky

I have an unopened original seal bottle of 15 year Pappy Van Winkle's Family reserve. It was bottled on the 305th day of 2008. I'm looking at it on the shelf right now. Code is right under the label in a dot matrix array. It will tell you when it was made, to the minute. Mine was made 8:04 a.m. It'...
by Theseus
Fri Oct 18, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4176

Re: Old bourbon whisky

If you come across any Pappy, I'll take it. :-) https://blogs.wsj.com/corporate-intelligence/2013/07/08/meet-the-bourbon-so-popular-even-billionaires-cant-find-a-bottle/ I have a bottle of pappy. Don’t know how I got it as I don’t drink bourbon. I probably bought for a party at home for less than $...
by Theseus
Tue Oct 15, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5602

Re: Help me find some high quality cargo pants.

I seek the collective wisdom here in helping me find some terrific, high quality cargo pants. I want these to be my everyday go-to pants that I use for 65% for work (I work in tech, so these are fine), 25% for social settings, 10% for biking, and hiking. Ideally, I want to select one to three style...
by Theseus
Mon Oct 14, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4176

Re: Old bourbon whisky

If you come across any Pappy, I'll take it. :-) https://blogs.wsj.com/corporate-intelligence/2013/07/08/meet-the-bourbon-so-popular-even-billionaires-cant-find-a-bottle/ I have a bottle of pappy. Don’t know how I got it as I don’t drink bourbon. I probably bought for a party at home for less than $...
by Theseus
Mon Oct 14, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: 529 account as a gift
Replies: 8
Views: 514

529 account as a gift

Hi I would like to set up a family member that has a newborn with a 529 plan to get the parent jump started on it. I don't need to be in control. It is a gift and I rather have parents be in control. Has anyone done something like this? How can this be set up so I set up the account but then after t...
by Theseus
Sun Oct 13, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4176

Re: Old bourbon whisky

If you come across any Pappy, I'll take it. :-) https://blogs.wsj.com/corporate-intelligence/2013/07/08/meet-the-bourbon-so-popular-even-billionaires-cant-find-a-bottle/ I have a bottle of pappy. Don’t know how I got it as I don’t drink bourbon. I probably bought for a party at home for less than $...
by Theseus
Sun Oct 13, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4137
Views: 1183746

Re: What Book Are You Currently Reading? Part VI

Reality Is Not What It Seems: The Journey to Quantum Gravity by Carlo Rovelli

It sounds ominous but it’s without deep physics or equations and explains such that a layman can understand it. Very interesting book.
by Theseus
Thu Oct 10, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Overland brand slippers for cold feet?
Replies: 17
Views: 1371

Re: Overland brand sleepers for cold feet?

SuperGrafx wrote:
Thu Oct 10, 2019 3:48 pm
Are we talking about slippers or sleepers?
slippers...corrected my post
by Theseus
Wed Oct 09, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Overland brand slippers for cold feet?
Replies: 17
Views: 1371

Re: Overland brand sleepers for cold feet?

When my kids played ice hockey, I spent many hours in ice rinks. Especially in the summer, I wound up wearing shorts or jeans with an UnderArmor top. I discovered that I was fine as long as I was wearing merino wool socks (SmartWool or Darn Tough are my favorite brands). I am a big time Merino fan....
by Theseus
Wed Oct 09, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Re: Prepaid eSIM for Europe travel

Truphone has a relatively inexpensive esim plan. 5gb for 20 euros. It’s app based, has support for 80 countries. There’s GigSky too. Those are the two that apple support certified as worldwide esim service providers but who knows if you’ll run into problems or not but you can run into problems roam...
by Theseus
Wed Oct 09, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Overland brand slippers for cold feet?
Replies: 17
Views: 1371

Re: Overland brand sleepers for cold feet?

I don't know anything about those things, but I sleep in Heat Holders acrylic super fluffy socks as well as goose down socks when I am out backpacking in the snow. My feet are always toasty warm no matter what the temperature. The Heat Holders cost about $10 and need no special washing: just toss i...
by Theseus
Wed Oct 09, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Overland brand slippers for cold feet?
Replies: 17
Views: 1371

Overland brand slippers for cold feet?

I am looking to buy a pair of slippers for cold feet for fall and winter. Overland has some good collection of Merino Sheepskins on their website. And Eddie Bauer has some Shearling slippers as well. Overland look really nice on the website (I don't have their stores close to where I live). Anyone w...
by Theseus
Mon Jul 29, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Re: Prepaid eSIM for Europe travel

Google fi. That was my first choice. But it doesn't seem to support iPhone unfortunately. Yes they do now. There are some limitations (e.g., the iPhone can't switch dynamically between carriers the way native Fi phones can do), but it's officially supported now, unlike before. Just talked to the Go...
by Theseus
Mon Jul 29, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Re: Prepaid eSIM for Europe travel

Truphone has a relatively inexpensive esim plan. 5gb for 20 euros. It’s app based, has support for 80 countries. There’s GigSky too. Those are the two that apple support certified as worldwide esim service providers but who knows if you’ll run into problems or not but you can run into problems roam...
by Theseus
Mon Jul 29, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Re: Prepaid eSIM for Europe travel

Truphone has a relatively inexpensive esim plan. 5gb for 20 euros. It’s app based, has support for 80 countries. There’s GigSky too. Those are the two that apple support certified as worldwide esim service providers but who knows if you’ll run into problems or not but you can run into problems roam...
by Theseus
Mon Jul 29, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Re: Prepaid eSIM for Europe travel

Because of the broader availability, I decided to use a physical SIM in my dual-SIM (eSIM & SIM) phone when I traveled to Europe. I first switched my US plan from the physical SIM to the eSIM, which took about 10 minutes at my carrier's retail store. I then purchased one of these which has 12GB of ...
by Theseus
Mon Jul 29, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Re: Prepaid eSIM for Europe travel

pkjr wrote:
Fri Jul 26, 2019 10:23 pm
Google fi.
That was my first choice. But it doesn't seem to support iPhone unfortunately.
by Theseus
Mon Jul 29, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Re: Prepaid eSIM for Europe travel

Truphone has a relatively inexpensive esim plan. 5gb for 20 euros. It’s app based, has support for 80 countries. There’s GigSky too. Those are the two that apple support certified as worldwide esim service providers but who knows if you’ll run into problems or not but you can run into problems roam...
by Theseus
Fri Jul 26, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Prepaid eSIM for Europe travel
Replies: 19
Views: 1905

Prepaid eSIM for Europe travel

Any suggestion for activating an eSIM prepaid plan for traveling in Europe on iPhone? I estimated I will need 30+ GB data in about six weeks. I am not interested in using my USA career plan for internet access in Europe. So anyone suggestions will be helpful. Using eSIM will allow me to keep my USA ...
by Theseus
Tue Jul 16, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8584

Re: Got mugged in London...Phone stolen...what else do I need to do?

Not trying to be contentious, just my factual question still isn't answered. I don't understand 'hashed and salted' either. I'm not trying to be contentious, just want somebody to explain explicitly with no assumptions I know stuff I might not know, how would my passwords be discovered by somebody ...
by Theseus
Sun Jul 14, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8584

Re: Got robbed in London...Phone stolen...what else do I need to do?

I will avoid London/U.K. in the future. Best of luck. Absolutely no reason to avoid London. I had a mental block for UK all this time and I feel I wasted time not visiting UK. London is a beautiful city and extremely helpful people everywhere for a metro city (irrespective of people helped me after...
by Theseus
Sun Jul 14, 2019 6:15 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8584

Re: Got robbed in London...Phone stolen...what else do I need to do?

OP here. Thank you all for replies, suggestions and reassurance. Edited the subject line to be more correct. I was robbed and not mugged. Some people asked why I was changing all the passwords. I didn't change 200+ passwords. I don't remember if my phone was faceid unlocked or not when it was stolen...
by Theseus
Fri Jul 12, 2019 3:39 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8584

Re: Got mugged in London...Phone stolen...what else do I need to do?

Hi As it would have it, I was standing outside on the edge of the sidewalk in one of the safest areas in London. A guy come speeds down on a bicycle and swipes my iPhone from my hands (plenty of people around). I ran after him but to no avail. I consider myself very cautious traveler and I am just ...
by Theseus
Thu Jul 11, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8584

Got robbed in London...Phone stolen...what else do I need to do?

Hi As it would have it, I was standing outside on the edge of the sidewalk in one of the safest areas in London. A guy come speeds down on a bicycle and swipes my iPhone from my hands (plenty of people around). I ran after him but to no avail. I consider myself very cautious traveler and I am just s...
by Theseus
Mon Jun 24, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Best area to stay in Lyon, France?
Replies: 2
Views: 419

Re: Best area to stay in Lyon, France?

I travel 2-4 times per year to Lyon for my work. For my next trip, I just happen to arrive on the weekend of the finals... it is very difficult to find a room right now. I would suggest taking care of this very quickly if you haven't already! My suggestion (if possible) is to find a hotel in the ma...
by Theseus
Sat Jun 22, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Best area to stay in Lyon, France?
Replies: 2
Views: 419

Best area to stay in Lyon, France?

Decided to fly to Lyon for FIFA semifinals and finals. Sort of last minute so I might end up renting AirBnB. I am looking for a suggestion as to what is a good area to stay to be able to walk to most attractions.
by Theseus
Fri Jun 14, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Should I rent a car in Croatia? And other recommendations?
Replies: 11
Views: 952

Should I rent a car in Croatia? And other recommendations?

DW and I are going to Dubrovnic in September for about 10 days on a vacation. One of the friends said that Split is just a port town and I am better off staying in Dubrovnic and doing day trips. I wonder if we can rent a car and make day trips to Serbia, Montenegro etc. If we rent a car, is it easy ...
by Theseus
Tue Jun 04, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: New Sole Proprietor Questions
Replies: 8
Views: 670

Re: New Sole Proprietor Questions

I am a SCORE mentor and I highly recommend SCORE. If your first mentor doesn’t workout ask to be reassigned until you find one that meets your objectives and has a good rapport with you.

SCORE Is the best free service you can have as an entrepreneur.
by Theseus
Tue Jun 04, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6978

Re: What do business pros wear on redeye Business Class flights

I fly business across the pond and SE Asia. Usually 3-4 times a year. Sometimes I buy tickets and sometimes I have mileage ticket. I have done everything. Nice casuals, jeans, pajamas etc. For the last trip I purchased Eddie Bauer travel pants (based on another thread about travel cloths) and a trav...
by Theseus
Mon May 13, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: How Vanguard ETF and MF works
Replies: 2
Views: 583

How Vanguard ETF and MF works

I never really understood why ETF as a share class within the existing MF was advantageous until I read this article. One more reason to own Vanguard Index MF over other index MFs. https://ritholtz.com/2019/05/vanguard-patent-tax/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+TheBigPict...
by Theseus
Mon Apr 22, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to Get Customers for New, Small Catering Business
Replies: 10
Views: 680

Re: How to Get Customers for New, Small Catering Business

She should get a SCORE mentor. It’s free and she may get a really experienced mentor that can help with this and other issues. Score.org.
by Theseus
Mon Apr 15, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3601

Re: Trip to Central Asia. Do you need a CC?

I would say a visa credit card from a good bank is a good idea to have - as a just in case situation. Years ago, I had issues using visa card issued by my credit union when I traveled internationally. I immediately got BofA travel visa card - which has no annual fee. Make sure he always charges in t...
by Theseus
Sat Apr 13, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4689

Re: How to avoid throwing money at problems?

With respect to hiring a cleaning service or landscaping service, perhaps take your cue from the lessons of behavioral finance and approach the decision this way: Find out how much these things cost. Let's say the cleaning service is $150 for 6 hours of house cleaning. Ask yourself whether you woul...
by Theseus
Sat Apr 13, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4689

Re: How to avoid throwing money at problems?

I think in another thread Livesoft had described an amazingly efficient schedule he follows. Now some of it is not for everyone, but many things in that thread can help. I don’t remember the thread but someone hopefully will. Secondly I suggest it’s worth getting housekeeping help - especially in yo...