Search found 417 matches

by Theseus
Fri Aug 10, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Estate plan question
Replies: 2
Views: 351

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: 433

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: 30
Views: 2212

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: 808

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: 14193

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: 1641

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: 1641

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: 228

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: 1997

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: 32
Views: 4787

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: 4929

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: 3359

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: 32
Views: 4787

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: 1170

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: 1170

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: 1170

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: 1170

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 ...
by Theseus
Sat Jul 28, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: 8 days in Poland - suggestions?
Replies: 15
Views: 1170

8 days in Poland - suggestions?

Hi all I have 8 days in Poland in the first week of October. This is right after my 8 day hike in Austria. I know it will start getting cold then. But I think I should be able to manage 50s and 60s. I fly out of Krakow but otherwise I have flexibility as to what I do. I will be traveling solo. I usu...
by Theseus
Thu Jul 26, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1815

Re: Help Please!! Contract payments not being paid

Do you have a subcontract with them or just a consulting agreement? Check to see the payment terms. Usually it will say you get paid within x days after they get paid. That's how most small government contractors will do it. Also check to see if you incorporated language around late payment penalty ...
by Theseus
Mon Jul 16, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5180

Re: Which City to spend 4-6 weeks?

Thank you all for great information and suggestions. There were several suggestions for Berlin. I spent a week there earlier this year. And I loved the city and it is very reasonable and friendly locals. But I don't think I can spend longer than a week in the city. Way too spread out for my taste. I...
by Theseus
Sat Jul 14, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 5168

Re: Should we sell our business?

Having sold my business last year and retired I have a few points to make. 1. You don't seem to have been burned out by "work". So there is no reason to take less than $2 Million (if you think that's the right number) even if people suggest that $2 Million is not a fair value. The worst case is that...
by Theseus
Fri Jul 13, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10026

Re: When does frugal cross the line to cheapskate?

If your frugality is making someone unhappy, you've crossed the line. That someone could be somebody else ("stingy,") or it could be you ("miserly.") This is probably the closest. In the context of frugality I probably don't care as much about other people's happiness but I would say if your frugal...
by Theseus
Tue Jul 10, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3426

Re: Masterbath Remodel - Tub or No Tub ?

I would definitely get rid of the tub. We paid for a jacuzzi with jets 10 years ago. And in total we have used is 4 times.

Instead of a tub, use that space to build a nice bench in the shower. Very convenient when you can easily bend down to thoroughly clean your feet :)
by Theseus
Sat Jul 07, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Ultrasonic pest repellent - do they work?
Replies: 6
Views: 724

Ultrasonic pest repellent - do they work?

Does anyone have firsthand experience using ultrasonic pest repellents? We currently spray the house quarterly with a pest service. But like to find non-chemical solution if that works.

Any recommendations? Do they work on snakes as well (we get snakes in the garage when its hot outside)?
by Theseus
Sat Jul 07, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4623

Re: Which advanced tech is necessary in cars?

Apart from most standard safety features I would personally never buy a car without - Backup camera - Blind spot warning/monitoring - Adaptive Cruise control Above three have made it safer and convenient to drive cars we have. Depending how effective it is, I would also recommend lane departure warn...
by Theseus
Sat Jul 07, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 to pay rent and meal off-campus?
Replies: 25
Views: 2341

Re: Using 529 to pay rent and meal off-campus?

Thank you all. So for 2017-2081 college provided a lump-sum amount for Room&Board of $8940. For 2018-2019 it provided Room ($5364) and Board ($3836) and Total $9200. So does it mean that for the rent coming from 529 can not be more than $5364? Or it can go upto total of $9200? I ask because the rent...
by Theseus
Thu Jul 05, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Using 529 to pay rent and meal off-campus?
Replies: 25
Views: 2341

Re: Using 529 to pay rent and meal off-campus?

As Spirit Rider noted, having accurate backup and documentation is key. Doing this in practice does have some challenges. In my case, I gave my child a monthly number for food and bev and let them adjust their spending accordingly. I also told them that anything they spend over their budget is out ...
by Theseus
Wed Jul 04, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 to pay rent and meal off-campus?
Replies: 25
Views: 2341

Re: Using 529 to pay rent and meal off-campus?

In that case am I able to allocate maximum indicated by the college for the meal plan? No. The amount you can use is the minimum of what she actually spends and the meal plan. Please read Publication 970. Thank you. I read the publication 970. Not the most clear document. But I get the gist.
by Theseus
Wed Jul 04, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 to pay rent and meal off-campus?
Replies: 25
Views: 2341

Re: Using 529 to pay rent and meal off-campus?

Thank you all for replies. Good suggestion for lining up with the FY and not the college year. Just to keep this clean I will deposit money for the 2018 Fall remember straight in to DD's bank account and let her pay the bills and keep track of it for IRS purposes. So for her college, while room is f...
by Theseus
Wed Jul 04, 2018 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 to pay rent and meal off-campus?
Replies: 25
Views: 2341

Using 529 to pay rent and meal off-campus?

Dear BHs DD is moving off campus this fall and we need to pay the rent for her apartment. Am I able to pay for her rent from her 529 account? And can off campus meals (grocery, restaurants) be paid by 529 money? If answer is yes, do I transfer money from 529 monthly or I can do it in a lump-sum so l...
by Theseus
Tue Jul 03, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3348

Re: International Vacation Ideas

I wrote a mini trip report last month. You might enjoy something like this. It is active enough but still have most creature comforts and a different way to see parts of Europe.

viewtopic.php?f=11&t=250772&hilit=report
by Theseus
Tue Jun 26, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1395

Re: Thinking about 2019 trip to Dubrovnik, Croatia

Don't over think this. You have never been there. It will all be new. You will not be able to see and do everything. This is not rocket science and replies you get here will take you all over the map and give you pause, and pause again, with too many new choices and paralyze your process. Look at i...
by Theseus
Mon Jun 11, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2316

Re: Allowance [Giving allowance to child]

I was exactly in the same boat (check my similar post a year ago). After neglecting for many years, I started allowance for my DDs. Youngest was 11 when I started. We calculated all expenses they incur (cloths, shoes, etc.) annually. Then we set up a weekly allowance based on that. Got them a bank a...
by Theseus
Fri Jun 08, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4563

Re: How much to budget for a week long vacation for 2?

We usually estimate approximately $300 per person per day. This includes everything. But depending on what and where the vacation is, this amount can go up or down by 20-25%.
by Theseus
Tue Jun 05, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: First time Segway tour question
Replies: 14
Views: 1021

Re: First time Segway tour question

i have done it several times. Most likely your 2.5 hrs will include some sightseeing. So I wouldn't hesitate with that option. It is very easy and within a few minutes you will get a hang of it. The only caveat is that in many places in US, you have to be 18 or older to segway so you may want to che...
by Theseus
Sun Jun 03, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4767

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

How about working for some interesting startups in the aerospace industry? This reminded me of a Planet Money series of three episodes about how things are in that industry. Even if he decides a different direction it’s a great story. Below is the link I found to the first episode. https://itunes.ap...
by Theseus
Sat Jun 02, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: Trip Report(mini) - Barge and Bike trip - Middle Rhine - Germany
Replies: 3
Views: 476

Trip Report(mini) - Barge and Bike trip - Middle Rhine - Germany

Dear BHs My daughter and I were on a 8 day barge and bike trip on the middle Rhine river from Cologne to Mainz. This is one of the most beautiful section of the Rhine. Biking is on mostly flat terrain and daily anywhere from 20 miles to 30 miles. I thought I would write a mini trip report. Mainly be...
by Theseus
Sat Jun 02, 2018 4:23 am
Forum: Investing - Theory, News & General
Topic: Entreprenuerial opinions/advice
Replies: 7
Views: 839

Re: Entreprenuerial opinions/advice

I have been working with a person who has a great concept and 3 patents issued (one pending) for anew device. SCORE was of great help here in NY but the SBDA had more extensive assistance and made for more networking. With that said funding any project without reasonable sales is nearly impossible....
by Theseus
Fri Jun 01, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13913

Re: Best Advice You Never Took

What is the best piece of advice you never took? Or, the best piece advice you ignored but shouldn't have? In 1992 when I was just starting out my career, a colleague of DW advised her to invest our savings in Vanguard S&P500 index fund. I thought he was full of himself and completely ignored it. :...
by Theseus
Fri Jun 01, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4460

Re: Travel advice for an engineer

I was impressed the Mayan structures in Peru last year when I was trekking the Inca Trail. Especially the Machu Picchu is very impressive.
by Theseus
Fri Jun 01, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Travel Journaling App/Website recommendations?
Replies: 5
Views: 466

Re: Travel Journaling App/Website recommendations?

I realize this won’t help you, but I wrote my own. You wrote your own app? or a website? That thought has crossed my mind. I wrote my own website. You can view it by clicking on the contact icon to the right and then the globe. It is all about bicycle touring, which is how I like to travel. Thank y...
by Theseus
Thu May 31, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Travel Journaling App/Website recommendations?
Replies: 5
Views: 466

Re: Travel Journaling App/Website recommendations?

Raybo wrote:
Thu May 31, 2018 2:36 pm
I realize this won’t help you, but I wrote my own.
You wrote your own app? or a website?

That thought has crossed my mind.
by Theseus
Thu May 31, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Travel Journaling App/Website recommendations?
Replies: 5
Views: 466

Travel Journaling App/Website recommendations?

Hi Does anyone use an app or a website to journal their travels? I would love to use DayOne app. It has exactly all the features I want (it is actually fantastic and would let me document my travels very easily). But their license agreement (even on the paid version) requires me to give them "...roy...
by Theseus
Thu May 31, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Entreprenuerial opinions/advice
Replies: 7
Views: 839

Re: Entreprenuerial opinions/advice

You seem to have done a lot of ground work. So you should feel fairly good about it. You should consider working with a SCORE mentor (www.score.org). You should be able to search for a mentor that has a background you desire. And you may want to continue the relationship as you build the business. I...
by Theseus
Tue May 29, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3452

Re: Cruise ships for multi-generational family

Whatever you decide, spend the extra money and get yourself a balcony even if no one else does. Whenever crowds, kids - or your own family - get to you, it's a little slice of heaven relaxing out there alone and watching the waves with a drink and some tunes. I dislike crowds and am more of an intr...
by Theseus
Tue May 29, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3452

Re: Cruise ships for multi-generational family

I would actually offer up Carnival Cruise as a suggestion. It's a boglehead approach to cruising as it is vary reasonably priced. The newer ships are nice, with great amenities. They have a wonderful kids programs for the young ones. If you're not a fan of being on a ship then find the itineraries ...
by Theseus
Sun May 27, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 12918

Re: Helping Adult Children (but not too much)

When our daughter started her first real job, we matched her Roth dollar for dollar for two years just to help get her started. We also fund a family vacation every year or so. She comes over once a week for dinner and we send her home with leftovers. Otherwise, it's good for her to manage and grow...
by Theseus
Wed May 09, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5180

Re: Which City to spend 4-6 weeks?

Most likely it will be from May 15 through June 15-30 (but I am flexible on that). Prince Harry is getting married on May 19th so you might take that into consideration if you go to or fly through London. If nothing else I would assume that security will be tighter than usual. Six weeks will be a l...
by Theseus
Wed May 09, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5180

Re: Which City to spend 4-6 weeks?

I would probably take London since it has quite a few low cost carriers which would make plane travel easy, but you would probably want more than a day wherever you go from there. Rome would be great as far as things to do and some day trips are possible from there. In Italy, I would take Florence ...