Search found 369 matches

by Theseus
Wed May 09, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4444

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: 47
Views: 4444

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 ...
by Theseus
Tue May 08, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4444

Which City to spend 4-6 weeks?

I have been thinking about spending 4-6 weeks in one of the European cities next year (But also open to other parts of the world if it made sense). Most likely it will be from May 15 through June 15-30 (but I am flexible on that). I am looking for recommendations for cities that are able to meet fol...
by Theseus
Tue May 01, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: At what point should you hire a financial advisor?
Replies: 25
Views: 2279

Re: At what point should you hire a financial advisor?

Hi all, I'm in a fortunate position where I've sold a majority stake in my company in an effort to take some chips off the table, diversify, and ultimately sleep better at night. Portfolio-wise, I'm at a point now where I feel like I'm in way over my head. I've looked into fee-based advisors but wa...
by Theseus
Mon Apr 30, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Restaurants
Replies: 25
Views: 1884

Re: Las Vegas Restaurants

Avoid Trevi at Cesar’s forum shoppe. It used to be our favorite stops. But it was the worst food we have had in a long time (anywhere not only Vegas) when we went there in February. Food was so stale and tasteless we had to send it back twice and had to speak with management and to was still bad aft...
by Theseus
Sun Apr 29, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1474

Re: separately managed account -- worthwhile?

Yes to me 0.4% AUM is rather too high when there are similar options at Vanguard. That's why I did not follow the advise to invest in their SMA for munis. I instead I invest in VWALX and VWIUX with 0.09 expense ratio. These are admiral shares so hard to beat. Buying and managing index funds is not ...
by Theseus
Fri Apr 27, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1474

Re: separately managed account -- worthwhile?

High minimum investments such as $500K are required with not-outrageous annual asset management fees of for example 0.4% for munis. But is it really "not-outrageous"? An annual 0.4% AUM fee on $500,000 is $2,000. That would buy a lot of tacos. Yes to me 0.4% AUM is rather too high when there are si...
by Theseus
Fri Apr 27, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1474

Re: separately managed account -- worthwhile?

It only seems worthwhile for folks who don't know how or can't be bothered to effectively tax loss harvest throughout the year, no? No. My impression is that they are replicating the index and harvesting individual companies while maintaining overall representative exposure to sectors/index. Thus l...
by Theseus
Fri Apr 27, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1474

Re: separately managed account -- worthwhile?

Thesesus - I there a way to check the past performance of some of the fidelity SMAs? My advisor was able to show me when I met with him. He even showed me return of another client and how much capital loss they had incurred while the value of the account was very very close to S&P 500 return. But I...
by Theseus
Thu Apr 26, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 30
Views: 2361

Re: Financial planners [looking for one]

When I went to the bogleheads conference last year, I met 3 financial planners (I ended up being on the same table by chance). Based on the discussion it seemed they all approach financial planning in somewhat similar fashion to what we all follow here. While they were not there to solicit any busin...
by Theseus
Mon Apr 23, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 20
Views: 1474

Re: separately managed account -- worthwhile?

As part of my overall portfolio planning with Fidelity assigned financial planner he had recommend that I invest in one of their products. After doing a lot of research I invested some $ in an SAM which is focused on mimicking S&P 500 return but at the same time it is focused on tax loss harvesting....
by Theseus
Thu Apr 19, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2756

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

This is not a mistake. I had some cash I had to park and they wouldn't let me use the Admiral shares. I was short by $3 of the minimum needed :) :). I think they have geared this Admiral shares for more of institutional type investors.
by Theseus
Wed Apr 18, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1142

Re: care.com -- any reviews / experience?

We used it for hiring a cleaning lady. We actually like her a lot. We used their service to do the background check as well. It was easy to cancel once we had hired. Keep in mind, you have to interview and screen the candidates yourself. But the review and rating system can be a good indicator. Tha...
by Theseus
Wed Apr 18, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1142

Re: care.com -- any reviews / experience?

We used it for hiring a cleaning lady. We actually like her a lot. We used their service to do the background check as well.

It was easy to cancel once we had hired.

Keep in mind, you have to interview and screen the candidates yourself. But the review and rating system can be a good indicator.
by Theseus
Tue Apr 17, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: IRS struggling to accept electronic filing
Replies: 3
Views: 840

IRS struggling to accept electronic filing

Hopefully most of the BHs have filed. But if you haven't yet I'd don't wait too long today.

https://www.washingtonpost.com/business ... 3e8617d29f
by Theseus
Sun Apr 15, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3185

Re: Las Vegas hotel

I recommend Paris or Venetian - even Wynn. These are in a central location of sorts. We stayed at Cesar's palace last year. I would not recommend that at all. Their ventilation system is way too old. You will pass through the casino full of smoke (a lot more compared other casinos) to get to the roo...
by Theseus
Sun Apr 15, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Dealing with claustrophobia
Replies: 4
Views: 516

Dealing with claustrophobia

I am not looking for medical advice. But more about experiences of people in a similar situation. Growing up I was never claustrophobic. I have realized in the last 15 years that I have become slightly claustrophobic. While I am generally healthy I have to get an MRI for a back issue. And it is givi...
by Theseus
Sat Apr 14, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 192
Views: 13610

Re: BH travel tips?

Merino wool clothing. You need 2-3 pairs of underwear and 2-3 pairs of shirts. That's it. I know it will gross out some people but you don't even need to wash them. You can easily go for 15-21 days without washing them. There is absolutely no smell. I have used them on my long treks and also some no...
by Theseus
Sun Apr 08, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 41133

Re: Name something you had to have and now you regret purchasing it?

I have never been happy with my couches (sofa +loveseat). So I have purchased four pairs so far. Wasted $10,000+ on them. And fifth is on the way :oops: . Then I have a leather chase I don't use and doesn't go with everything in the house - $1200. And two recliners - $700 - that now just look ugly s...
by Theseus
Sat Apr 07, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax "Audit Defense" worth it?
Replies: 9
Views: 1896

Re: TurboTax "Audit Defense" worth it?

This article suggests it's not worth it given the coverage: http://time.com/money/3473/dont-pay-for-irs-protection/ When I had a complicated return a few years ago and wanted some more confidence, I did the H&R Block Second Look (https://www.hrblock.com/tax-offices/extended-tax-services/past-taxes....
by Theseus
Sat Apr 07, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax "Audit Defense" worth it?
Replies: 9
Views: 1896

TurboTax "Audit Defense" worth it?

I just finished my return in TurboTax. I have a complex situation in 2017 with business sale, large donation to charity, starting a new LLC and some investments from foreign bank accounts (all reported). TurboTax is offering Audit Defense for $44.99. I think in my situation it seems worth spending t...
by Theseus
Mon Apr 02, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 380

Re: How do I find the growth of $10,000 for a specific date range

Here's one for Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX): Growth is selected by default (top left of chart), which includes reinvesting dividends. http://quotes.morningstar.com/chart/fund/chart?t=VTSAX®ion=usa&culture=en_US Thank you. This is exactly what I was looking for. B...
by Theseus
Mon Apr 02, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 380

Re: How do I find the growth of $10,000 for a specific date range

Here's one for Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX): Growth is selected by default (top left of chart), which includes reinvesting dividends. http://quotes.morningstar.com/chart/fund/chart?t=VTSAX®ion=usa&culture=en_US Thank you. This is exactly what I was looking for. B...
by Theseus
Mon Apr 02, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 380

Re: How do I find the growth of $10,000 for a specific date range

Nate79 wrote:
Mon Apr 02, 2018 6:02 pm
Morningstar charts tab.
That's the first thing I tried. But I think that gives me only the price of the fund. I am looking for a total return including the dividends.

Or is there a way to do this in M* that I don't know how to?
by Theseus
Mon Apr 02, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find the growth of $10,000 for a specific date range
Replies: 6
Views: 380

How do I find the growth of $10,000 for a specific date range

I am looking for a way to determine growth of $10,000 from a specific date. The sites I have seen gives this information for period in the years. But no way to specify specific date range. E.g. what would be my investment worth today if I had invested $10,000 on 1/17/2018. Is there any easy way to d...
by Theseus
Sun Mar 25, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1802

Re: Berlin - how many days and where to stay?

I love the squares in Europe where I can get a glass of wine or a cup of coffee and people watch. Is there something unique or flamboyant about the way you drink? :D Funny :D. Nothing flamboyant about me :) But I enjoy watching people since everyone else looks flamboyant after a few drinks :sharebeer
by Theseus
Sat Mar 24, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1802

Re: Berlin - how many days and where to stay?

Thank you all. This is great information. Based on this I am going to change the booking to add more days. But it will be total 5 days. Can't do more than that. But it seems I will want to go back anyway.
by Theseus
Thu Mar 22, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1802

Berlin - how many days and where to stay?

Hello fellow BHs I am planning to spend 3 days in Berlin in the end of May. I am wondering if that is too much time? And what is the best area to stay (I will most likely airbnb an apartment) that is central and/or easy to get to most touristy attractions? What should I MUST do? I usually like citie...
by Theseus
Wed Mar 07, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 20574

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

I went last year and decided to stay out. Not sure how much all the helps considering the demand.
by Theseus
Tue Mar 06, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 4070

Re: Cheapest way to get spare car keys

My lovely daughter has a 2014 Honda CR-V. She lost one key and now has just one remaining key. Twice in the past few months she has called me to say she lost that key and in an hour so she called back to say she found it. I’m trying to get her to buy a set of spare keys electively, rather than wait...
by Theseus
Sat Mar 03, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 8173

Re: Thinking of getting an Apple Watch

Another opposing view. I bought it when it came out first. And it is collecting dust since then. Two biggest issues for me are 1) I am farsighted. So I have to put on reading glasses to see anything on the tiny watch 2) I have to charge it every day - although it doesn't take very long. However, des...
by Theseus
Wed Feb 28, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Outward signs of a private company failing
Replies: 20
Views: 1263

Re: Outward signs of a private company failing

Very good points made by others so I won't repeat that. ....their business development folks are saying everything is rosy. No disrespect to any BD person, but every BD person I have met or hired has always said rosy things even when things were terrible. It's just in their personality/duties. So I'...
by Theseus
Thu Feb 22, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 29
Views: 3629

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: 2582

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: 463

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: 1082

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: 1082

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: 2321

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: 2321

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: 2321

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: 2321

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: 2321

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: 3250

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: 6817

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: 6333

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: 6817

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: 6817

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: 6817

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: 1702

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: 1679

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.