Search found 337 matches

by Theseus
Thu Feb 22, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 21
Views: 2237

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: 2394

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...
by Theseus
Thu Feb 08, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Barcelona-Real Madrid Tickets
Replies: 3
Views: 419

Barcelona-Real Madrid Tickets

Hi I will be in Barcelona for a week. I just found out that there is a home football (soccer) game on May 6th. I would love to see Ronaldo and Messi live in action. I think that would be a once in a lifetime type event for me and would consider spending money since my travel just happens to be durin...
by Theseus
Thu Feb 08, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Standard deviation measure of risk for a bond fund?
Replies: 15
Views: 937

Re: Standard deviation measure of risk for a bond fund?

OP here. Thanks for the replies. I am familiar (at least I think) with risk adjusted return for the equity mutual funds. Essentially if a fund is beating its benchmark, you have to adjust the fund's return by the amount of risk the fund took to generate those returns to derive risk adjusted return (...
by Theseus
Tue Feb 06, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: Standard deviation measure of risk for a bond fund?
Replies: 15
Views: 937

Standard deviation measure of risk for a bond fund?

I understand that standard deviation is a risk indicator for equities. But I am having hard time thinking that standard deviation is also a risk indicator for bond funds. Generally, most bond funds (at least ones I am interested in such as VWIUX) keep the bonds until they mature. So if you are a buy...
by Theseus
Tue Feb 06, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2150

Re: Cigar buying help

This is an important thread. Just got back from cigar store, asked for cigar like a Cohiba. Ended up buying Padron. And I of course had to try one out before my soirée with the guys while sipping a dark rum. Very smooth. But still miss the real thing, Cuban Cohiba. And I also finished up my favorit...
by Theseus
Tue Feb 06, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2150

Re: Cigar buying help

@ Theseus. One more thing. After your Boveda packs have dried up, don't throw them out. They can be re-hydrated to be good as new several more times. Simply place them in a ziplock bag with a few white paper towels that have been soaked in distilled water. You can buy a gallon jug of distilled wate...
by Theseus
Mon Feb 05, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2150

Re: Cigar buying help

daveydoo wrote:
Mon Feb 05, 2018 2:05 am
Theseus wrote:
Sun Jan 28, 2018 10:35 am
...I am buying some Cognac, Almanac and potentially good Bourbon to go along...
For Almanac, I recommend the Farmer's.

$#@& autocorrect, I'm sure :D
Thanks...Will check it out.
by Theseus
Mon Feb 05, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2150

Re: Cigar buying help

Yes. Open your Boveda packs and put them in the container now. They are designed to be effective for 2 months or so. It is winter and the air is very dry, so why take a chance. You can leave your cigars tightly wrapped in the plastic till you decide to smoke them. You say you have them all tightly ...
by Theseus
Sun Feb 04, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2150

Re: Cigar buying help

Boveda 8-Gram Humidification Packets - Cigars International https://www.cigarsinternational.com/p/boveda-8-gram-humidification-packets/2001675/ OK. Now I have cigars. There are total three packs. Two have 20 cigars each. One has five cigars. They are tightly wrapped into plastic of their own pack. ...
by Theseus
Sat Feb 03, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3062

Re: Cheapest funeral options

My father wanted to give his body for research purposes. Nothing was written when he passed away last year, but my mother remembered that when we were calling funeral homes. The hospital where he was recommended a couple of organizations. We contacted them, and they took care of everything. My mothe...
by Theseus
Sat Feb 03, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6622

Re: Substitute for taking a shower?

OP here. Thank you all for great suggestions. I think i feel well equipped to deal with this. I wasn't expecting this thread to go into second page of answers :D. But it's all good information. https://sephora.com/yuni?ref=13732848 :D :D Dry shampoo is a possibility so you avoid washing your hair. H...
by Theseus
Fri Feb 02, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 6081

Re: Relearning Calculus

Alexa9 wrote:
Fri Feb 02, 2018 12:03 pm
https://www.khanacademy.org/ is excellent and free
Agree with Khan Academy. Absolutely a great resource and its free. Nothing on this site is overwhelming and is broken up in videos of around 10 minutes followed by some exercises.
by Theseus
Fri Feb 02, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6622

Re: Substitute for taking a shower?

You can purchase packets of wipes that are used in the medical / elder care communities. They are bath substitutes. Some of them can be microwaved for warmth. I purchased a case for my mom to use when recovering post-surgery (could not shower). They came with very specific instructions about which ...
by Theseus
Fri Feb 02, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6622

Re: Substitute for taking a shower?

When are you going? April or may? If so might be an issue. If not you should be fine. Take a two minute shower and you’ll be clean and minimize water use. I’m there now and this is the advice for now. Follow the advice as it is the locals who will be left after you fly home. Thank you. We are going...
by Theseus
Fri Feb 02, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6622

Substitute for taking a shower?

Alright. Don't laugh. This is a serious question. Bunch of us guys going to Cape Town for a golf trip. It turns out (Murhphy's law) there is a major draught and water is being limited to 13 gallons per person per day (voluntary limit as of today). We are going to add to their troubles by going there...
by Theseus
Thu Feb 01, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1530

Re: Pay off future DIL's school loans?

I would wait till they get married. But when you do, instead of paying off the student loan how about paying for her advance degree with a caveat that she continues to pay for the current student load. This may ensure 1) she has a motivation to work while pursuing advance degree 2) you are not payin...
by Theseus
Mon Jan 29, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1542

Re: Paris Hotel Recommendations

We stayed at https://www.airbnb.com/rooms/4828217

Pretty cool views of Eiffel tower from the balcony - especially at night. We could walk to the Eiffel tower in about 1 minute. That was fun to do at night. But we were six of us so it was cheaper than a hotel.
by Theseus
Sun Jan 28, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2150

Re: Cigar buying help

This is why I love BH. No matter the question, you get an answer from like minded people :-). Thank you all for recommendations and suggestions. We are going to end up smoking most of the cigars after the golf rounds at night rather than on the golf course. I am buying some Cognac, Almanac and poten...
by Theseus
Sat Jan 27, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2150

Cigar buying help

Hi I am not a smoker and have never smoked. But I need help buying cigars. I am going on a golf trip with bunch of friends and I would like to bring some cigars. I have occasionally smoked cigars in such settings and found it to be enjoyable. What my friends and I like are smooth cigars. I am lookin...
by Theseus
Fri Jan 26, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Multiple portfolios?
Replies: 17
Views: 1367

Re: Multiple portfolios?

I have that situation. I just retired in the summer of last year. I have a retirement "portfolio" that is allocated at 60/40. Withdrawal of about 3.5% from this portfolio is equivalent of my current expenses. My remaining money is in a "portfolio" that is 100% equity (US and International). The size...
by Theseus
Thu Jan 25, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 1924

Re: April in Paris - Your favorites or suggestions?

And BTW, Google Maps works for all public transport options. When you put the destination, select public transport in the app, and it will guide to the nearest bus and/or train stop. They have most current schedule built in and we never had any issue. It even calculated time to walk to the bus/train...
by Theseus
Thu Jan 25, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1728

Re: Machu Picchu and Galapagos in late March 2019

For my 50th (gasp!) birthday in late March/early April 2019 (I understand this is at the tail end of the rainy season), my wife and I are looking to tour Machu Picchu and Galapagos. I've read posts on Boglehead as well as those on Tripadvisor but want to get additional personal feedback/recommendat...
by Theseus
Thu Jan 25, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 1924

Re: April in Paris - Your favorites or suggestions?

Versailles is so over the top...that you must see :)
by Theseus
Thu Jan 25, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Side hussle ideas
Replies: 16
Views: 1627

Re: Side hussle ideas

Looking to make more money and keep my mind busy. I work 4 days a week now and would like something to do friday sat and sunday. Something different than my current job of dental hygiene. Ideas i have had so far... Refub furniture Financial coach Tax prep Need more ideas. Wouldn't mind some more on...
by Theseus
Thu Jan 25, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: how to choose mangoes?
Replies: 23
Views: 1312

Re: how to choose mangoes?

The BEST mango available in USA is of variety called Kent. But only available in the season which is usually june-july-august. I see you are in NYC based on your user name. Go to an ethnic Indian store and pick up a box of Kent (doesn't matter the brand). Caveat - they will stay green even when ripe...
by Theseus
Thu Jan 25, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Bait-and-switch pricing. Where can I file complaint?
Replies: 17
Views: 2220

Re: Bait-and-switch pricing. Where can I file complaint?

You are wasting your time trying to fight the system so move on and find another way to book travel. Luckily I do have time :) . And I already booked now after yesterday's experience. But I am hoping that there is some agency that is responsible for reviewing such complaints. I am not going to call...
by Theseus
Thu Jan 25, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Bait-and-switch pricing. Where can I file complaint?
Replies: 17
Views: 2220

Re: Bait-and-switch pricing. Where can I file complaint?

OP here. Thank you all for responses. I travel a lot(5 trips this year by middle of June - 4 of them international). So this is not a situation where I am unaware of how things work for dynamic price changes, packaged tours price changes when you select a date , single person quote that doubles when...
by Theseus
Wed Jan 24, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Bait-and-switch pricing. Where can I file complaint?
Replies: 17
Views: 2220

Bait-and-switch pricing. Where can I file complaint?

Hi I am sure some of you have come across bait-and-switch prices on travel sites. I have been trying to book a package tour for last one month. Both of Expedia and Orbitz (i know they are owned by the same parent company). But once I select hotel, airline etc...and ready to check out, the price incr...
by Theseus
Wed Jan 24, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3013

Re: Buying This Week: IPhone X or IPhone 8 Plus

I am on 6 (not even 6s) and I am going to do that. This is despite I use my phone a LOT - including watching movies at gym etc.
by Theseus
Tue Jan 23, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Cost Basis?
Replies: 5
Views: 504

Re: Losing Cost Basis?

I recently converted my account from a joint tenancy to tenancy by the entirety (this required creating a new brokerage account and then transferring the funds from the old account to the new account) I've noticed I've lost all my cost basis data Is that to be expected with account transfers? This ...
by Theseus
Tue Jan 23, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3656

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

gouldnm wrote:
Tue Jan 23, 2018 6:13 pm
.As thrilled as I am by how much I have made in just three weeks,
Well. You haven’t “made” any money unless you sold the investments. So you wouldn’t loose anything if you don’t sell when it goes down. Stick with the plan and you won’t have to worry about it.
by Theseus
Tue Jan 23, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
Replies: 56
Views: 5703

Re: Bond Portfolio for High Net Worth Individuals - Different Rules?

As a HNWI I have struggled with this myself. I figured I should be 100% in stocks. But when I ran scenarios from different softwares (Financial Engines, WealthTrace, Fidelity etc.) a 60-40 (or 70-30) portfolio - with ANNUAL rebalancing - did better than 100-0 or 90-10 portfolios. This is before tax....
by Theseus
Wed Jan 17, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20129

Re: Anyone disenchanted with retirement?

Hey all - As I'm reading through all the replies, it seems as though many are staying busy with their daily, non working, lives. As I think about early retirement, would you mind shedding some light on what exactly keeps you busy all day long ? Thanks, Working (for now) I retired last June. I had n...
by Theseus
Mon Jan 15, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 2055

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

I can’t comment on the itinerary but do have a suggestion re cell phones. I was in Germany last fall and was planning to buy a local SIM card for my unlocked GSM phone so I could call local friends, hotels, and use Google maps while driving. Until recently, you could buy a pay as you go SIM card al...
by Theseus
Sun Jan 14, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 13
Views: 1423

Re: Kayak Germany flights more than 60% than airline site??

I have never had a problem booking from the sites suggested by Kayak or Google. There is a consistent price difference of that magnitude - especially with Lufthansa and several other European airlines (Swiss etc.) - economy or business class. I booked a business class multi-city trip with Qatar airw...
by Theseus
Sun Jan 14, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 6658

Re: Looking for a reasonably priced, safe international destination

We are in the dc area. We just booked a really good deal to punta can Royalton beach resort. It’s a brand new resort so they are heavily promoting it through deasl. Booking.com had a deal for kids staying for free. Even for spring break it was about $3500 for four. All inclusive including airfare fo...
by Theseus
Sun Jan 14, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: 2.5 days Frankfurt/Cologne?
Replies: 8
Views: 462

Re: 2.5 days Frankfurt/Cologne?

As mentioned, Frankfurt is very much like being in New York but with better beer. If you are willing to travel a little, there are many smaller (and more picturesque) places within an hour or two. Two that are easy to get to are Heidelburg and Rothenburg. Rothenburg Ob der Tauber is particularly qu...
by Theseus
Sat Jan 13, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: 2.5 days Frankfurt/Cologne?
Replies: 8
Views: 462

2.5 days Frankfurt/Cologne?

Hi BHs I am taking a bike and barge trip from Cologne to Mainz on the middle Rhine in the end of May. After I arrive in Frankfurt I have 2.5 days before my barge takes off. I plan to take the train to Cologne. While I am not much of a history guy, I love being in Europe, big or small towns. I love t...
by Theseus
Thu Jan 11, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5154

Re: Getting your spouse on the same page

These threads always end up the same, so yeah just go read the others. getting their spouse to follow a plan My experience is that you generally can't "get" anyone to do anything they don't want to do. Except begrudgingly and only if you have serious power over them, like you can fire them. 100% ag...
by Theseus
Mon Jan 08, 2018 2:21 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8984

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

One of the other reasons for the milestone sharing posts (e.g. two comma club) is that BHs want to celebrate something. Such a poster may not be able to celebrate that with others in our society - considering financial status discussion is considered a taboo. Or s(he) may be worried that they will b...
by Theseus
Sat Jan 06, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3367

Re: Best Tax Estimate Website for 2018?

I help my dad with his taxes and he would like to take as much of his IRA now without having to pay taxes. He's over 70.5 so there's no penalty. Normally, I can estimate the number pretty well but that was under the old law. Has anyone run across a good calculator for 2018 based on the new law? I s...
by Theseus
Wed Jan 03, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: India tourist visa - possible to expedite?
Replies: 11
Views: 1006

Re: India tourist visa - possible to expedite?

They have started to provide visa up on arrival. But there may be restrictions. You can check it out below.

https://indianvisaonline.gov.in/evisa/tvoa.html
by Theseus
Wed Jan 03, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Law - Estate Plan considerations?
Replies: 7
Views: 770

Re: 2018 Tax Law - Estate Plan considerations?

Thank you. I am sure as the law gets interpreted and we get more details there could be other things to consider. Please post anything else you come across.
by Theseus
Wed Jan 03, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: utracks.com for guided bike tour?
Replies: 0
Views: 81

utracks.com for guided bike tour?

Has anyone used utracks.com for any of their guided tours? I am looking at their Cologne to Mainz tour that is bike and barge tour in Germany. Just wanted to get any opinions of their service etc.
by Theseus
Tue Jan 02, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13058

Re: Embarrassment Preventing Retirement Work: A factor for you?

If you change your life based on what people think then you will live the life the way they want you to live. It won't be your life any longer. I would never change what I think is right for me based on what people think - and I consistently teach my children that. Having said that, you might find v...
by Theseus
Mon Jan 01, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Law - Estate Plan considerations?
Replies: 7
Views: 770

2018 Tax Law - Estate Plan considerations?

Hi What changes would you make to your estate plan based on the new tax law? For those that already have their estate plan in place what would you have done differently if the new tax law was effective when you originally set it up? E.g. for those that were affected by prior estate tax exemption lim...
by Theseus
Mon Jan 01, 2018 1:52 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5982

Re: Long Term House—Any Regrets on things you didn’t do?

We lived about 13 years in our prior house. When we decided to move we realized that to sell our house we had to finish the basement first. We ended up having to finish the basement to so we can sell it. We put up with all the construction and dust for weeks. I wish we had finished much earlier so w...
by Theseus
Thu Dec 28, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: TV watching with headphones
Replies: 16
Views: 1195

Re: TV watching with headphones

We use this RF (radio) headphone. https://www.amazon.com/Sennheiser-RS120-Wireless-Headphones-Charging/dp/B0001FTVEK/ref=sr_1_3?ie=UTF8&qid=1514517970&tag=bogleheads.org-20&sr=8-3&keywords=sennheiser+headphone My wife wears hearing aids and it makes a huge difference. Be sure to check to see if you...
by Theseus
Thu Dec 28, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: TV watching with headphones
Replies: 16
Views: 1195

Re: TV watching with headphones

I have these (and earlier model) for almost 8 years. We LOVE it. Worth paying extra for the latest model. The RS-195 is almost $350 but it will make a huge difference. https://www.amazon.com/Sennheiser-RS-175-Wireless-Headphone/dp/B00SLUI5SA/ref=sr_1_9?ie=UTF8&qid=1514517797&tag=bogleheads.org-20&ke...