Search found 68 matches

by Tribonian
Tue Nov 13, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2730

Re: Garmins & Fitbits: Worth it for non-athletes?

Love my Garmin; I upgrade about every 3 product cycles. Current one not only gives heart rate 24/7 and steps but stairs. Also sleep data, pulse oximeter, barometer, sunrise, sunset, moonrise, moon set. Will rebroadcast texts and alerts from phone discreetly to watch face and also has about 20 hours ...
by Tribonian
Tue Nov 13, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 126
Views: 5505

Re: Point and shoot camera

I’d get the most recent cheap Canon point and shoot that has been hacked by the Canon Hack Development Kit: http://chdk.wikia.com/wiki/CHDK_for_Dummies The P&S Canons often have the same processors and other fancy hardware as the DSLRs and are hobbled by the firmware. CHDK lets you overwrite the fir...
by Tribonian
Sun Nov 11, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1196

Re: Help Me Buy A New Front Door

We replaced a door last year after a bear smashed it in and liked it so much we ordered one for our home. Both doors were standard size, fiberglass and have blinds built in between panes of glass so they never get dirty. We love them. Both doors were purchased through Home Depot for $600-$700 (one w...
by Tribonian
Thu Nov 08, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14622

Re: How much money are you leaving your kids after you die?

I’ve told the kids the same thing my parents told me:don’t count on anything. We may have spent it all on medical care, trophy spouses or extravagant travel.

We will actually probably help them as much as possible as they grow but I don’t think we’ll talk numbers until they are fully adult.
by Tribonian
Thu Oct 25, 2018 5:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 1947

Re: Who/what made the helpful culture of Bogleheads?

I found this site around a year ago. In addition to the observations already made, my speculation is that the cultural taboo on discussing personal finances and widespread financial illiteracy makes this site a particularly welcome haven. As a side note, I frequent another forum with many trolls, ad...
by Tribonian
Sun Oct 21, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2075

Re: Pet Insurance company recommendation

Swansea wrote:
Wed Oct 17, 2018 8:37 am
990 forms give a good idea where the non-profits spend their monies, some spend heavily on programs, some do not.

https://www.aspca.org/sites/default/fil ... _990_o.pdf
Thank you, fascinating read.
by Tribonian
Sun Oct 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 480
Views: 45787

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I followed the allypaybacktime link, opened a savings account and it took all of 5 minutes. Transferred from a Fido account by wire, all done same day. Inquired via e-mail about depositing additional proceeds from a cd that matures Oct. 31 to see if there would be a grace period. CSR e-mailed back 2...
by Tribonian
Thu Oct 18, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 79
Views: 4945

Re: Personal Adventure - recommendations

A friend of mine circumnavigated the eastern seaboard in a rowboat: started in Brooklyn, took the Hudson to the Erie Canal, Allegheny (brief portage) and Ohio Rivers to the Mississippi to New Orleans. The next summer (he was poor and on a shoestring so had to break up the trip) he resumed in NOLA we...
by Tribonian
Tue Oct 16, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2075

Re: Pet Insurance company recommendation

We went with ASPCA on the theory if we lost the actuarial gamble, at least the proceeds would help other rescue dogs.

https://www.aspcapetinsurance.com
by Tribonian
Mon Oct 15, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 52
Views: 3770

Re: Cancun in a few weeks

[/quote] Also don't get sick or injured in any way as you will likely be gouged for medical services by the locals. [/quote] If you do get sick or injured, insist on being taken to a hospital. There are any “clínicas” that will charge exorbitant amounts for a bed and a saline drip. Also, if attacked...
by Tribonian
Fri Oct 05, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4065

Re: Black suit with dark brown shoes?

Haven’t the actual venue mentioned.

Brown shoes might be acceptable if the event is in the country.
by Tribonian
Tue Sep 18, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 7064

Re: Is there such thing as saving TOO much?

The OP seems to be level headed and not saving too much, but there are definitely people who do. I once set up a coworker on a date because he was always complaining about being lonesome. I made him swear not to take out the pad of paper he jots every expense on while on the date. She was a refugee ...
by Tribonian
Thu Sep 06, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4989

Re: To Be or Not to Be...Married

Have you considered a destination wedding abroad? Whether or not a wedding in a foreign jurisdiction is valid is a determination made by your State Attorney General (typically, this requires that the marriage complied with the local law which could be a huge PITA) but most AGs are probably not going...
by Tribonian
Tue Aug 14, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 15177

Re: As an American, where are some great places in the world to retire?

Some commenters are mentioning Italy .... I thought it was quite difficult to get a resident visa in these places. Only preliminarily researching Italy, but it seems to depend on whether or not you will be there year round. 182 days or less, and you just stop by the local police station and let the...
by Tribonian
Tue Aug 14, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1542

Re: Biking with 2 young children - what gear to get?

I’ve been seeing a lot of these in our bike friendly town and wished they’d been available when our kids were small. I’ve seen one cyclist hauling as many as three toddlers.

https://yubabikes.com/cargobikestore/boda-boda

and, of course, new helmets for all.
by Tribonian
Mon Aug 13, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7821

Re: Marriage

Hi all, I will be getting married next month. Congratulations! Marriage is my favorite institution, bar none. As with every other aspect of marriage, communication is key. Be candid, flexible and selfless with each other. Almost any arrangement can work if both of you agree. We took on preexisting ...
by Tribonian
Sun Aug 12, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 170
Views: 8814

Re: Purchasing a house, downpayment vs. retirement and other considerations

We put an offer in on a home over the weekend that was accepted in Needham .... We were able to get a lower interest rate than I was expecting (4.25%) and this is certainly a forever home (~2,200 sq ft, 2 car garage, 4 bedrooms, 2.5 bath). Hopefully all goes well with the process, but I will check ...
by Tribonian
Fri Aug 03, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 5078

Re: Is solar power for your home a worthwhile investment?

We’re finally reaching the break even point after 16 years. For us, it was not a financial decision so much as an environmental stewardship choice which we were willing to pay a premium for.
by Tribonian
Thu Jul 26, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2243

Re: How to Learn Italian (a little) Before Trip to Italy

I’d take out Pimsleur or Barron’s Mastering Italian from your local library. Watch good Italian Blu-rays with subtitles in Italian once you know the plot. RAI (state sponsored tv and radio) has many podcasts; the language is fast but the diction is crystal clear. Love RAI Mondo for international new...
by Tribonian
Sat Jul 14, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 19928

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads or Tayles.
by Tribonian
Tue Jun 26, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7859

Re: Family dynamics/in laws/am I being petty?

When we travel in a group, we sometimes designate a banker rather than trying to split a check every meal, excursion, etc. Everyone antes up the same amount per person ($100 or $200, whatever). The banker calculates the tips and pays all bills until the money runs out, then a new banker is appointed...
by Tribonian
Wed Jun 13, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2638

Re: best way to receive large sum of money from another country

U.S. gift taxes are paid by the donor but the recipient has to file a form 3520 if the amount exceeds 100K U.S.D. No idea how Canada treats gifts for tax purposes (they may ignore them altogether) but receiving the gift in the US seems a good idea. I’d get a tax lawyer for advice. NB I have no profe...
by Tribonian
Sat Jun 09, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2995

Re: Foreign language immersion daycare

We talked with a doctor couple that lives nearby and sends both of their kids there, and they raved about the school, but acknowledged that the daily commute was bad. Is carpooling a possibility? We did not have an option locally; if there had been one, I’d’ve endured the inconvenience and expense.
by Tribonian
Mon Jun 04, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 44
Views: 7919

Re: Flight cancelled. Entitle to any compensation?

AA recently changed a 6 hour trip into a 20 hour ordeal. After getting stymied by the first two “customer service” reps on the phone, I filled out the survey they sent via e-mail and also wrote a detailed complaint. I’m told that social media works even better for prompting a response. I ultimately ...
by Tribonian
Sun Jun 03, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15394

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

I find your ambition inspiring. I say go for the law degree but the path to becoming a professor would be to publish which dovetails nicely with your interest in critical thought and writing. BigLaw is not the best path. You would probably make an excellent expert witness and could go into patent la...
by Tribonian
Sun Jun 03, 2018 1:49 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5520

Re: 6 hour layover on Heathrow

Thanks for all the responses. We can be pretty flexible in terms of making a game day decision if customs happens to be longer or shorter than anticipated. Just want to have a destination if the circumstances are favorable. We don’t need anything iconic, just interesting. We won’t have access to the...
by Tribonian
Sat Jun 02, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7006

Re: Need advice on 1st international vacation

Regarding practicals, I would carry at least three credit cards from different issuers, and at least two ATM cards from different issuers...Take a picture of your passport and credit cards. Great advice. I’d also check which of your credits cards has the lowest (or non existent) foreign transaction...
by Tribonian
Sat Jun 02, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5520

Re: 6 hour layover on Heathrow

Not enough time to go to town (safely) and much more than needed to change planes. If you were talking Schipol...then maybe. We’ll only have carry on and nothing to declare so I was thinking we'd clear customs pretty quickly. We’ve managed to fit in side trips to the Pyramids and the Torre de Belem...
by Tribonian
Sat Jun 02, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5520

6 hour layover on Heathrow

If you had a six hour layover in Heathrow and wanted to visit a few sights, what would top your list?

We’re thinking Tower Bridge, maybe the British Museum. Family of 4, old enough to walk without whining.

Appreciate any insights.
by Tribonian
Sat Jun 02, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 7006

Re: Need advice on 1st international vacation

Dublin has always struck me as the most polite city in Europe. It’s pretty common for people to approach tourists looking at maps and offer them directions and tips for places to visit. When my wife and I were there, we got on the wrong bus, last one for the night, and the driver risked his job to d...
by Tribonian
Fri Jun 01, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5864

Re: Advice for assisting 18 year old son after high school

I like your basic approach of helping in a regulated manner, but would recommend ditching the car: If he will be working with his uncle, he should be able to carpool. Having the abilty to roam in a strange city with unlimited range creates opportunities to regress. That’s the one subsidy I’d cut. If...
by Tribonian
Thu May 24, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 12
Views: 1650

Re: Heart rate monitor

Gd a Scosche that worked very well until I upgraded to a Garmin watch with the same HRM technology. The Scosche was great but less convenient.
by Tribonian
Wed May 23, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 170
Views: 8814

Re: Purchasing a house, downpayment vs. retirement and other considerations

It looks like you’ve been with your wife around six years and married for one. The reconciliation exercise seems to be financial independence for the young couple v. inter generational wealth transfer from the in-laws. My somewhat contrarian (to BH dogma) view is that a home is worth a degree of ris...
by Tribonian
Wed May 09, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Swiss or European Equivalent of Vanguard?
Replies: 12
Views: 1166

Re: Swiss or European Equivalent of Vanguard?

Nate79 wrote:
Wed May 09, 2018 12:01 am
Have you checked if Schwab international operates in Switzerland?
I checked and it looks like they don’t. Excellent thought, though.
by Tribonian
Wed May 09, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 4264

Re: Which heart rate monitor is the most accurate?

My Garmin Fenix 3 is spotty but I hear the 5 is much better and can record during swimming, something chest straps cannot handle.
by Tribonian
Wed May 09, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 5358

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

I think it would be less secure, maybe even a lot less secure. Nobody has ever lost a cent by keeping money in the US. Someone else already mentioned Executive Order 9066. Many Americans of Japanese ancestry lost everything they had. All of my grandparents’ close friends in Berkeley were sent to th...
by Tribonian
Tue May 08, 2018 11:51 pm
Forum: Investing - Theory, News & General
Topic: Swiss or European Equivalent of Vanguard?
Replies: 12
Views: 1166

Re: Swiss or European Equivalent of Vanguard?

To reduce currency risk, I think you have 2 options: * Buy assets (stocks/real estate) that earn profit in the local currency. E.g. international small/mid caps. In this case, it does not matter in which currency they are denoted. If they are denoted in USD then their relative value will increase i...
by Tribonian
Tue May 08, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: Swiss or European Equivalent of Vanguard?
Replies: 12
Views: 1166

Re: Swiss or European Equivalent of Vanguard?

Jeff Albertson wrote:
Tue May 08, 2018 10:21 am
try Vanguard's global site: https://global.vanguard.com/portal/site/home
Thank you; interesting to see how much higher the expense ratio is, but it’s a premium they will likely be willing to pay.
by Tribonian
Tue May 08, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: Swiss or European Equivalent of Vanguard?
Replies: 12
Views: 1166

Re: Swiss or European Equivalent of Vanguard?

They can get Vanguard ETFs at very good rates traded on the SIX Swiss Exchange. For instance, this all world one: https://www.six-swiss-exchange.com/funds/security_info_en.html?id=IE00B3RBWM25CHF4 The iShares core series is also good. Mutual funds on the other hand have usually much higher TERs in ...
by Tribonian
Tue May 08, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Swiss or European Equivalent of Vanguard?
Replies: 12
Views: 1166

Re: Swiss or European Equivalent of Vanguard?

hilink73 wrote:
Tue May 08, 2018 2:02 pm

Also, going with a Swiss broker is a pain fee and tax wise.
Interactive Brokers is a good alternative.
Thanks for the tip re: Interactive Brokers, I’ll check them out.

Unfortunately, they are used to painful taxes in the home country and are clearly willing to pay fees.
by Tribonian
Tue May 08, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 5358

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Hedging currency risk is a very different scenario than what the OP is envisioning. They are thinking of a major political crisis. [/quote] Understood, but if there is a major political crisis to the point that people are rushing across borders with gold and jewelry and whatever other personalty the...
by Tribonian
Tue May 08, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Swiss or European Equivalent of Vanguard?
Replies: 12
Views: 1166

Swiss or European Equivalent of Vanguard?

Looking for information on behalf of family who are overseas. In order to mitigate currency risk, they’re looking at investing in a Swiss mutual fund with an ER around 3%! I’d like to be able to steer them to a low ER firm like Vanguard but based in Europe, preferably Switzerland. Any suggestions? T...
by Tribonian
Sun May 06, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 5358

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

> You would have to establish a non-US citizenship and renounce your US citizenship and leave the US to make this step be protective of your assets. This seems an overstatement; opening an account overseas is not forbidden so long as you report account info to the IRS. There are plenty of developed...
by Tribonian
Sun May 06, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9254

Re: Thinking of getting an Apple Watch

Are you referring to the fenix 5x? I was looking at it for my hiking but folks at rei told me it's not going to give me more mapping than I have with garmin inreach. Would like to learn more about that watch before paying for it. [/quote] I have the Fenix 3 and am skipping the 5x; it should be repla...
by Tribonian
Thu May 03, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend less on kids' tutoring fee?
Replies: 13
Views: 2131

Re: How to spend less on kids' tutoring fee?

PeterWander8 wrote:
Thu May 03, 2018 4:41 pm
I have aFor example, in maths, we use [url=https://www.khanacademy.org/]Khan Academy ... My kids will struggle against Biology and Physics without tutors. Any suggestions?
Khan Academy has Biology and Physics (and Chemistry, etc.). Love KA!
by Tribonian
Tue May 01, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: 1st Time Home Purchase Experience
Replies: 12
Views: 2160

Re: 1st Time Home Purchase Experience

Congratulations!
by Tribonian
Mon Apr 30, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 19
Views: 2342

Re: Traveling to italy.........

Buon viaggio! [/quote] Are you saying that your experience with making connections with Italo is very good or excellent? How much Italo train travel is your experience based on? [/quote] Sorry, my advice was not clear at all. I had numerous botched connections with Trenitalia, both when I lived in I...
by Tribonian
Mon Apr 30, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3721

Re: Favors for Family/Friends and Getting Compensated or Not?

Behavioral economists distinguish between social exchanges and market exchanges. They serve fundamentally different purposes and should probably be kept separate. As Dan Ariely puts it: ... we apply different norms to these two kinds of relationships. Moreover, introducing market norms into social e...
by Tribonian
Sun Apr 29, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2288

Re: 3 days in London - must dos?

Really enjoyed the reconstructed Globe Theatre.

http://www.shakespearesglobe.com/whats- ... next_month