Search found 512 matches

by Theseus
Sun Feb 17, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Hostels while solo traveling in Europe?
Replies: 9
Views: 1141

Re: Hostels while solo traveling in Europe?

Thank you everyone for providing some perspective. I would download one of the apps (if you don't already have them) that are popular with the locals and use them to chat people up. It doesn't have to be for hook-ups. You can totally meet people for coffee or for activities. Caduceus. This is a good...
by Theseus
Sun Feb 17, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Received K-1. Need to file tax return for an LLC?
Replies: 2
Views: 237

Re: Received K-1. Need to file tax return for an LLC?

You should talk to a tax adviser, but, just speaking in general and not as legal advice, it may help to clarify what you're asking: As a general matter, if you've set up a single-member LLC that is disregarded for tax purposes and have received K-1s from other entities for income that "the LLC" has...
by Theseus
Sat Feb 16, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Received K-1. Need to file tax return for an LLC?
Replies: 2
Views: 237

Received K-1. Need to file tax return for an LLC?

Hi BHs In 2017 I set up a single member LLC primarily for investing in startups (as part of the angel investors group). LLC does not have any other operations or any other activities. Last year I did not file separate tax return for LLC as there was no investment in 2017. I included LLC interest and...
by Theseus
Tue Feb 12, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5355

Re: Best ways to provide STRUCTURE to retired life

Mornings are routinized and somewhat structured. Wake up whenever - sometimes at 5 sometimes at 8. Have a toast and coffee and hit the gym. Come home and have lunch. Browse internet and plan a trip - I like to travel a lot. Take a nap or read something. Occasionally run an errand or two based on wha...
by Theseus
Mon Feb 11, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5355

Re: Best ways to provide STRUCTURE to retired life

DrGoogle2017 wrote:
Mon Feb 11, 2019 1:44 pm
My husband and I signed up for classes or activity everyday. The only truly no activity day is Sunday. Whether we go to these activities is another story. So that’s how we structure our life.
What kind of activities you have signed up for?
by Theseus
Mon Feb 11, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8137

Re: What is a Boglehead funeral/burial?

Donate the body to medical or research purposes. They even provide you with a death certificate. There is no cost and one good thing you can do with your remains. My father did this, and I plan on doing that as well. From my understanding, though, you always need a "backup plan" in case the donatio...
by Theseus
Mon Feb 11, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8137

Re: What is a Boglehead funeral/burial?

Donate the body to medical or research purposes. They even provide you with a death certificate. There is no cost and one good thing you can do with your remains.

My father did this, and I plan on doing that as well.
by Theseus
Sun Feb 10, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3773

Re: Recommendation for home gym (limited space)

I only scrolled through the responses, so my apologies if this was already suggested. But TRX will give you an amazing workout if you just take a little time to learn how to use it. And it is very inexpensive compared to other equipment. Easy to modify to make it harder as you become stronger or ea...
by Theseus
Sun Feb 10, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3773

Re: Recommendation for home gym (limited space)

I'm now using the "gzclp" lift program (from a Reddit user) and have been loving it. Linear progression on the main compound lifts and add in accessory stuff as you want/need. Googled it and found this. https://saynotobroscience.com/gzclp-infographic/ This seems very interesting. How long have you ...
by Theseus
Sat Feb 09, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 5443

Re: 2 years in community college, then transfer? need opinion please

My relative did this exactly for IT major. She went to CC in Virginia and had guaranteed transfer to all reputed VA schools (including super hard to get into schools like UVA, V-Tech) if the GPA is maintained. She transferred after CC and graduated with BS in IT. Lived at home and saved a ton of mon...
by Theseus
Fri Feb 08, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Hostels while solo traveling in Europe?
Replies: 9
Views: 1141

Hostels while solo traveling in Europe?

I will be solo traveling in parts of Europe for 3 weeks in May. Most likely Spain and Portugal. I usually stay in nicer hotels when I travel to Europe but I like talking to people - locals or otherwise. Hotels are not most conducive if you want to chat up with someone at the end of the day. I have r...
by Theseus
Sun Feb 03, 2019 5:00 pm
Forum: Personal Investments
Topic: Is there a broad index fund with no dividends?
Replies: 13
Views: 1283

Re: Is there a broad index fund with no dividends?

OP, In your case I would recommend looking at https://www.fidelity.com/managed-accounts/separately-managed-accounts/tax-managed-US-equity-index-strategy/overview I invested over a year ago. It is supposed to track S&P 500 type performance but it generated capital loss. For me it generated 10% of tot...
by Theseus
Thu Jan 31, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

We have two kids 20 and 12. We are a very close family and both are very good kids and reasonably intelligent. Our estate is significant in size - little over 8 figures. Our kids realize we are well todo but have no idea of our networth. On and off we have been mentally preparing the kids to build ...
by Theseus
Wed Jan 30, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 10704

Re: Please share some lifestyle creep you regret.

Flying Business Class for long distance international flights. A great luxury indeed and really hard to go back to coach once you get used to it. Should've never done it. +1 I did this once out of necessity (only way to get out that day). I could never go back to being in economy for long internati...
by Theseus
Wed Jan 30, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Any experience with volunteermatch.org?
Replies: 8
Views: 602

Re: Any experience with volunteermatch.org?

It is a good place to see some of the opportunities in your community. I retired 3 years ago and signed up. You can definitely see some things that are coming up and available. Most of the ones in my area were one time volunteer opportunities. It is an easy way to check out an organization to see i...
by Theseus
Wed Jan 30, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Advices on trip to Colombia (Cartagena and Santa Marta)?
Replies: 10
Views: 540

Re: Advices on trip to Columbia (Cartagena and Santa Marta)?

The State Department still has a travel advisory in effect for Columbia https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories/colombia-travel-advisory.html Perhaps the travel advisory will encourage other travelers to stay away and you'll find less competition for meals and a...
by Theseus
Wed Jan 30, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Any experience with volunteermatch.org?
Replies: 8
Views: 602

Any experience with volunteermatch.org?

I just wanted to see if anyone had a good or bad experience to share with this match making site.
by Theseus
Tue Jan 29, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

A few comments.... Also, I think that anybody who is nominated as executor of a will should be provided with a copy of the full will along with very clear communication regarding how to obtain the original as well as open discussions regarding asset locations and how the assets were going to be inh...
by Theseus
Tue Jan 29, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

A few comments.... I really wish more folks on the forum would follow Bruce's advice about how to provide/preserve asset protection through a trust. We see so many posts by people who allow their heirs to withdraw xx percent at age yy, etc. which clearly jeopardizes the trust's asset protection; wh...
by Theseus
Tue Jan 29, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

Granted 15M is much more than 1.5M. But we are not talking about 15B here. My biggest concern would be who would take care of your kids. Especially the 12 year old! I completely agree. That’s why I didn’t give the number in the first post. Main concern is to provide the balance such that they don’t...
by Theseus
Tue Jan 29, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3611

Re: Do you do backpacking in your 50s or 60s?

I just want to point out that travel expenses are not a factor in my backpack travel consideration, although I do not want to pay for the grand lobbies in five-star hotels. I like the convenience with backpacking, and I always choose walking if at all possible. One concern with backpacking is safet...
by Theseus
Tue Jan 29, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

... They don't get money immediately. Gradually by the age of 35 they get all the money. We can discuss this with the kids without discussing the numbers. ... It is $15 million give or take. ... I do have a competent attorney. Especially with an estate that size, a competent attorney would strongly...
by Theseus
Mon Jan 28, 2019 1:20 pm
Forum: Personal Investments
Topic: young-ish physician windfall
Replies: 21
Views: 4293

Re: young-ish physician windfall

Will your windfall be taxed at capital gains or ordinary income? Capital gains-23.8% Many BHs will frown upon this as this is a bit active and has some fees. But last year I invested in "The Fidelity® Tax-Managed U.S. Equity Index Strategy - seeks investment results that approximate the S&P 500® In...
by Theseus
Sun Jan 27, 2019 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

15M give or take. My goodness - spend the money on a competent attorney and set up a trust. This should be a high priority. I do have a competent attorney. We have worked with him over last few months. Wait — by “draft trust” do you mean that you have no legally binding document as to how your esta...
by Theseus
Sat Jan 26, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

Situated similarly to the OP, I have been transparent with my child. He knows about the provisions of our trusts, and the size of our estate, and I don't think it impairs his motivation to succeed on his own in the slightest. GmanJeff. How old was your son when you started disclosing financial info...
by Theseus
Sat Jan 26, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Re: Appropriate age to communicate your will/wishes to your kids

OP here. This has been a great help. Some responses below. It's important to me that they pursue their passions AND build a base of financial independence. If they turn into profligate spenders, then there will be serious restrictions on the inheritance. But if they turn out with pretty decent money...
by Theseus
Fri Jan 25, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4098

Appropriate age to communicate your will/wishes to your kids

We have two kids 20 and 12. We are a very close family and both are very good kids and reasonably intelligent. Our estate is significant in size - little over 8 figures. Our kids realize we are well todo but have no idea of our networth. On and off we have been mentally preparing the kids to build t...
by Theseus
Fri Jan 25, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 15784

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

This topic would likely be shorter if it discussed inheritances that *did* go as planned. I haven't seen too many. My experiences sum up to: 1/ People don't die in the order that inheritance plans expect them to. 2/ Blood is much much *much* thicker than water. 3/ Blindly considering all children e...
by Theseus
Fri Jan 25, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Advisory Service
Replies: 17
Views: 978

Re: Fidelity Advisory Service

If you are a DIY investor then you will pay zero at fidelity - same as vanguard, and at his networth he may still get an assigned financial advisor for free. But if he is going to want them to manage his money he will have to pay for either one of them. Fidelity costs more than Vanguard in that case...
by Theseus
Fri Jan 25, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Implementing a wealth tax
Replies: 64
Views: 3200

Re: Implementing a wealth tax

The US constitution would seem to prohibit a federal wealth tax in the US. Article I of the U.S. Constitution says that no direct tax can be levied unless in proportion to the “Census or Enumeration.” The 16th Amendment expanded Congress’ power to collect taxes on “incomes, from whatever source der...
by Theseus
Thu Jan 24, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 24912

Re: What lifestyle creep made you happier?

Flying business class for international flights
House cleaning help
Tesla Model X

Worth every penny.
by Theseus
Wed Jan 23, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 52
Views: 3836

Re: Health Insurance for Retirees, % escalation

I am from the US but worked overseas for over a decade. While there it was more convenient and much cheaper to go elsewhere for medical. We went to Dubai and to Bangkok and the service was great and a fraction of the cost of the US. There are certainly horror stories from folks going overseas for m...
by Theseus
Wed Jan 23, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 52
Views: 3836

Re: Health Insurance for Retirees, % escalation

There was a discussion in this thread about medical tourism. Anyone considering it needs to be careful about it and do the due diligence. I thought I'd share this from today's Washington Post. https://www.washingtonpost.com/national/health-science/they-went-to-mexico-for-surgery-they-came-back-with-...
by Theseus
Tue Jan 22, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 34
Views: 2052

Re: Hearing Aids

When I took my mother to a good friend who is ENT for hearing loss, he said if he was in my shoes he would take his mother to Costco. The purchasing power Costco wields brings their price to the consumer less than the ENT's actual cost. And the quality is topnotch. Got my mom the top of the line (th...
by Theseus
Sun Jan 20, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 15
Views: 1694

Re: Getting rid of Silverfish?

6Pack wrote:
Sun Jan 20, 2019 4:24 pm
I use DriOne powder and that took care of them. I also treat the perimeter of my house quarterly with CyKick CS (liquid spray).
Where did you have them? Did you spread the powder in the attic over the insulation?
by Theseus
Sun Jan 20, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 15
Views: 1694

Re: Getting rid of Silverfish?

You wrote "They are coming out everyday." What does that mean? Coming out of where? Cracks along baseboards? Light fixtures? Wall outlets? Gaps where pipes come out of walls? That's where you would put treatments. Not sure where they are coming out of. But we see them on the bathroom walls near the...
by Theseus
Sun Jan 20, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 15
Views: 1694

Re: Getting rid of Silverfish?

Silver fish are killed with boric acid powder along the edges of rooms against the wall and in any cracks. Diatomaceous earth is also effective. If you want them instantly gone, then it won't happen. It took months to start seeing them and it will take months to have them all gone. Even with a prof...
by Theseus
Sun Jan 20, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 15
Views: 1694

Getting rid of Silverfish?

After living in a new construction house for 12 years all of a sudden we have developed a silverfish issues in upstairs bathrooms. They are coming out everyday. I searched the forum and only found one thread. But didn’t see any DIY solution. Someone mentioned a canister bomb. But our attic is rather...
by Theseus
Fri Jan 18, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10042

Re: Who's flying?

Flew into Dulles two days ago. Pretty smooth.
by Theseus
Fri Jan 18, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4813

Re: 11 days in Europe...Budget and logistical advice please

There is some really good input regarding how to plan these 11 days. But there is everything imaginable in Europe. History, architecture, culture, festivals, food markets, museums, small cities, big cities, villages, night life, people watching, quiet parks..and so on. So I would first focus on what...
by Theseus
Fri Jan 18, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2074

Re: Curry Powder?

Hi all, My husband and I have been on a curry kick recently and I'm looking to buy some great curry powder. Our local grocery store's is pretty mild and tasteless and we don't have any specialty stores nearby. Anyone have a great curry powder they can recommend, preferably one I can order online? T...
by Theseus
Wed Jan 16, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49219

Re: John Bogle is dead at 89

Got to meet him at the Bogleheads conference two years ago and got his new book autographed. Will have a good memorabilia. He did so much for all of us common folks. Thank you!! May he rest in peace.
by Theseus
Wed Jan 16, 2019 3:31 am
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1582

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

A few times. 1. Due to my careless attitude I had kept all my userid/passwords in the Notes field in plain text of the phone that was lost/stolen. Within the hour I changed the passwords but someone tried to access Suntrust, Fidelity and Vanguard account and locked me out. I ended up getting new acc...
by Theseus
Wed Jan 16, 2019 3:23 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 6004

Re: Furloughed Fed Employee - How to make best use of time

How about learning to meditate - if you were ever interested in it. People say it changes you for better.
by Theseus
Wed Jan 16, 2019 3:21 am
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1690

Re: Using carry-on for traveling locally?

No I mean I do not have anything right now. I use gym duffel bag but problem is my clothing becomes a mess and my camera equipment is not secure. No matter what bag you choose, get some "packing cubes". You can Google it. Although, I use them all the time for all travel, others either love them or ...
by Theseus
Wed Jan 16, 2019 3:14 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7537

Re: When would you stop being a Boglehead?

There are two aspects. If I had earned the money myself, I am probably smart and/or experienced enough to use fee only advisor - and only when I need it.In that case I would stay a boglehead. If I had an inheritance or an unexpected windfall, I may not have enough experience to deal with it all and ...
by Theseus
Tue Jan 15, 2019 5:52 am
Forum: Personal Consumer Issues
Topic: Website/Tool for HOA
Replies: 16
Views: 1229

Re: Website/Tool for HOA

hoa-express.com
by Theseus
Tue Jan 08, 2019 3:33 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4503

Re: Retirees: any major goals for 2019?

Is there a specific itinerary for this trip? Which operator are you using?
The Wizard wrote:
Fri Jan 04, 2019 9:11 am

An inn to inn group hiking trip to West England in late July.
by Theseus
Thu Jan 03, 2019 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 56333

Re: Fidelity free Turbotax

Yes. I thought of that. But as a retired guy I have freedom to prioritize my time on trivial things that have negative ROI. Perks of being retired 😂😂 Maybe you should have spent the time trying to figure out what's wrong with your computer since having "several other issues" with the TT site sounds...
by Theseus
Wed Jan 02, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 56333

Re: Fidelity free Turbotax

I am a private client. I had the same issue and several other issues. I spent 5+ hours with TurboTax support to I avail so I asked it to be bumped to level 3 support and get a supervisor. Finally they just placed the software in my account to be downloaded. Link still doesn’t work for me. Fidelity ...