Search found 231 matches

by Theseus
Sun Apr 23, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Flying to Asia and electronics ban
Replies: 9
Views: 1684

Re: Flying to Asia and electronics ban

I plan to visit Asia (Sri Lanka) in February and am an amateur photographer. I normally fly Emirates through Dubai and take my photo equipment as carry on. However, with the in cabin electronics ban, I would need to check my camera and lenses for the return flight. The odds of damage or theft seem ...
by Theseus
Sat Apr 22, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Adults-only All-Inclusive resort/hotel?
Replies: 21
Views: 3214

Re: Recommendation for Adults-only All-Inclusive resort/hotel?

When we were looking for a vacation that fit 3 different families' budgets, I found that Punta Cana in Caribbean to be of the best value in general. We had a fantastic time there. Ocean, beaches and sand are terrific. Only problem for us was language. Very hard to find english speaking staff there. ...
by Theseus
Sat Apr 22, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 553

Re: Small business pre-tax savings vehicle

I would investigate SEP-IRA. You can shelter a lot more and absolutely no real complicated record keeping requirements. It is the exact opposite, a SEP IRA's maximum contribution is always <= a solo 401k. A SEP IRA allows only employer contributions and does not allow employee deferrals. The employ...
by Theseus
Sat Apr 22, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 553

Re: Small business pre-tax savings vehicle

I would investigate SEP-IRA. You can shelter a lot more and absolutely no real complicated record keeping requirements.
by Theseus
Fri Apr 21, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 8665

Re: Removing a tree - expensive!!!

In my old house, we had a big oak that fell and we had to get it removed. Instead of removing the stump, we left the stump at a table height. Created a hole in the center of the stump for an umbrella and put some chairs around it. Built a nice little garden there :-) Then a few years later there was...
by Theseus
Mon Apr 17, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 49
Views: 8897

Re: Are the expensive air purifiers worth the money?

I have allergy issues and often wake up very tired with my sinuses plugged up. I have tried the neti pot, allergy medications, surgery, etc...but nothing has really helped much. I have been thinking of purchasing an air purifier. Someone I know suggested this one: http://www.amazon.com/IQAir-Health...
by Theseus
Mon Apr 17, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?
Replies: 21
Views: 1722

Re: Savings Account: Experience with Discover, AmEx, Barclays, Synchrony?

On the bankrate.com website there are several online banks with 1.25% rates. Does anyone have experience with any of them?
by Theseus
Sun Apr 16, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 452

Re: What printer to buy for small bussiness

We have HP Laser MFP M476dw. I think it may have been around $600 on Amazon (not sure of the price) when we bought 2.5 years back. It has worked flawlessly. It does everything you need.
by Theseus
Thu Apr 13, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9383

Re: Dream vacation spots?

I love to travel so I have plans to travel a lot as soon as possible. I like doing many adventurous things, but also relaxing vacations as part of my travels. However many of my dream spots require having good knees - which is not a sure thing. Following are on my wishlist/bucket-list -------------...
by Theseus
Wed Apr 12, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 8220

Re: leaving early from work

Talk to your boss but rather then presenting only a problem present a solution and an explanation how this would (or would not) impact your work. Best advice and my philosophy of managing people. I ask everyone who comes to me with a problem with at least two possible solutions/options. That works ...
by Theseus
Tue Apr 11, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school tuition
Replies: 42
Views: 4111

Re: Can we afford private school tuition

What is the delta in terms of education quality between your area public schools and private school you are considering? If the delta is not much it may not be worth it. E.g. We live in Northern Virginia and our school systems are rated in top 5-10 in the country consistently for last few decades. I...
by Theseus
Mon Apr 10, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9383

Re: Dream vacation spots?

I love to travel so I have plans to travel a lot as soon as possible. I like doing many adventurous things, but also relaxing vacations as part of my travels. However many of my dream spots require having good knees - which is not a sure thing. Following are on my wishlist/bucket-list --------------...
by Theseus
Sun Apr 09, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Helping parents/grandparents while raising kids
Replies: 47
Views: 4743

Re: Helping parents/grandparents while raising kids

Do you think this tradition will continue across generations as your family becomes more Americanized? I know some families where parents are helping to support grown children and others where grown children are helping to support their parents. It seems to be based on the circumstances of individu...
by Theseus
Sat Apr 08, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Helping parents/grandparents while raising kids
Replies: 47
Views: 4743

Re: Helping parents/grandparents while raising kids

Being in a sandwich generation isn't all that fun - financially as well as emotionally. But these are the cards you are dealt and have to work with it. Both of our parents have been great to us. So I take the view that we treat our parents the same as we treat our children. We have a level of respon...
by Theseus
Wed Apr 05, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6403

Re: Early retirees - how did you inform your loved ones and friends?

AlohaJoe wrote:Why would you inform them? How do you see it coming up?


If I retired early they will see that I am not working. Many family and friends live close by. So they will find out that I am not working. And may assume worse. I rather tell them proactively.
by Theseus
Wed Apr 05, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6403

Re: Early retirees - how did you inform your loved ones and friends?

Funny this question came up because I have been reminiscing about it as my 10 year early retirement anniversary is next week, I retired at age 41. Giving notice when you have a good job and no other job lined up and you are making a lifetime change is terrifying. If I was not so burned out on my jo...
by Theseus
Tue Apr 04, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6403

Early retirees - how did you inform your loved ones and friends?

I am curious about this. Those who are blessed to retire early, how did you inform your family and friends? What was the conversation like? Did you throw a party for the people that were close to you? I can see people's reaction of admiration, happiness, jealousy, contempt etc. Did that factor into ...
by Theseus
Wed Mar 29, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 13609

Re: When do you plan to die?

Per my current projection I plan to die at 95. I run out of money then :)
by Theseus
Wed Mar 29, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5794

Re: anyone factor in future inheritance?

Just like I factored in my income, I have factored in my inheritance along with the expenses I will incur to support both of our aging parents. I fail to understand why you wouldn't want it to be part of your plan. So long that is not the ONLY plan for your retirement I understand that it is not gua...
by Theseus
Tue Mar 14, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Specific Book Recommendations - passing the time on Amtrak
Replies: 13
Views: 850

Re: Specific Book Recommendations - passing the time on Amtrak

alec wrote:I found Michael Lewis's books (Flash boys, Liar's Poker, Moneyball, The big short) very, very entertaining on boring train rides.

+1 and completely agree. His books are very immersive
by Theseus
Tue Mar 14, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Specific Book Recommendations - passing the time on Amtrak
Replies: 13
Views: 850

Re: Specific Book Recommendations - passing the time on Amtrak

Being Mortal: Medicine and What Matters in the End

One of the best reads and I think everyone who is getting to the old age or family members getting to the old age should read.
by Theseus
Tue Mar 14, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Specific Book Recommendations - passing the time on Amtrak
Replies: 13
Views: 850

Re: Specific Book Recommendations - passing the time on Amtrak

newstreetnj wrote:Hi

The Emperor of All Maladies by S Mukerjee. A great book on cancer history/research. Bob


+1
by Theseus
Sun Mar 12, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Forced role change, what would you do?
Replies: 38
Views: 3215

Re: Forced role change, what would you do?

I believe that no one wakes up every morning and want to suck at their job - given the option to excel at it. Their IQ can be 75 or lower -but no matter what everyone wants to be successful in general. As a manager/leader I think it is my responsibility to create an environment that motivates everyo...
by Theseus
Fri Mar 10, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 8628

Re: cost of Solar Power

I got a 15 Kw system two years ago. I paid about $50,000 in Northern Virginia.

If you do get one, make sure the installer knows what they are doing - you will be thankful for paying a little more.
by Theseus
Fri Mar 10, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 13085

Re: What to do with all these passwords ?

I have been using 1Password and very happy. It does not store anything on their server or cloud (if you want it that way). It keeps all my passwords safe. Due to its autofill functionality, my passwords have gotten significantly stronger as I don't have to remember passwords any longer. Autofill wor...
by Theseus
Sun Mar 05, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: For Travel package...Expedia, Orbitz, or Travelocity?
Replies: 14
Views: 1891

Re: For Travel package...Expedia, Orbitz, or Travelocity?

I believe with the latest merger, they all are owned by the same company. I am not sure you will see difference in prices. I have not seen price difference in the airfare for sure.
by Theseus
Sat Feb 25, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2603

Re: Caribbean vacation with 3 kids

Dominican Republic is a cheaper destination - we've been twice - once to La Romana, last year to Punta Cana, and had very good experience as vacations with kids go. Last year an all inclusive for a week with 2 kids cost us $5k (we booked through Costco Travel). They had a kids club with activities ...
by Theseus
Sat Feb 25, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2603

Re: Caribbean vacation with 3 kids

aqan wrote:
Thesues wrote:Try Atlantis in Bahamas. Lots to do especially for the older kids.

Isn't Atlantis very expensive?

Atlantis is a huge place with many towers and facilities meeting needs of different preferences including different prices. I am fairly certain, it can be done for less than $8500.
by Theseus
Sat Feb 25, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2603

Re: Caribbean vacation with 3 kids

Try Atlantis in Bahamas. Lots to do especially for the older kids.
by Theseus
Thu Feb 23, 2017 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 4610

Re: Negotiate lowball offer? (new job)

Try out the salary+benefits estimate on salary.com and glassdoor.com based on your education and experience. Take a print out to the manager and just tell them you would like a longer term career at this company if they can provide you a career path. That includes paying you competitive salary to b...
by Theseus
Wed Feb 22, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 8940

Re: New Boglehead Millionaire

Congratulations!! If you have $1M by 34, what is your goal to have by 50? :sharebeer
by Theseus
Tue Feb 21, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: When to Jump In
Replies: 17
Views: 1772

Re: When to Jump In

Thanks all for your advice. I have been holding a high cash position for way too long. I should have invested much sooner but was lazy and let it build up in the bank earning nothing. The market is scary because it's been climbing for a while, it's overvalued, and it's making all-time highs. That's...
by Theseus
Tue Feb 21, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 4610

Re: Negotiate lowball offer? (new job)

Try out the salary+benefits estimate on salary.com and glassdoor.com based on your education and experience. Take a print out to the manager and just tell them you would like a longer term career at this company if they can provide you a career path. That includes paying you competitive salary to be...
by Theseus
Tue Feb 21, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 6323

Re: Does anyone else have (possibly too much) fun dealing with finances?

I like it so much that in my retirement I am thinking of a part time career (get certification etc) doing this and helping others with BH philosophy. :D
by Theseus
Sun Feb 19, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 42
Views: 6213

Re: Tesla Model X 2 Months Review

Thank you for such an in depth report on your experience. This sounds ridiculous for the amount of money it costs. I almost purchased Model X in December. And then decided against it. I think I will wait till they iron out all the issues - perhaps a year or two before I consider it again. Please pos...
by Theseus
Tue Feb 14, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Monte-Carlo results and Probability of successful outcome
Replies: 16
Views: 1927

Re: Monte-Carlo results and Probability of successful outcome

AlohaJoe, Thank you for the detailed reply. I have a few questions. I look at a lot of different measures and if anything sticks out too far from the rest I try to understand why. I look at US historical data. Global historical data. What if I retired in the UK? What if I retired in Japan? I look a...
by Theseus
Mon Feb 13, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Monte-Carlo results and Probability of successful outcome
Replies: 16
Views: 1927

Re: FYI - Another source for Monte Carlo

Vegomatic wrote:See PortfolioVisualizer.com (Free tool)

https://www.portfoliovisualizer.com/


Thank you Vegomatic. This seems very useful. However I am not able to allocate my Bonds as part of the portfolio in the asset allocation when I am setting up Monte Carlo simulation. Not sure if that is allowed or not by this program.
by Theseus
Mon Feb 13, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Monte-Carlo results and Probability of successful outcome
Replies: 16
Views: 1927

Re: Monte-Carlo results and Probability of successful outcome

pkcrafter wrote:What did you use for gross withdrawal and number of years?

Paul


I used consumption based withdrawals based on the goals so it varies year to year based on my expenses and goals. But on average it is about 3.7% withdrawal. So approximately $380,000 withdrawal for 45 years.
by Theseus
Sat Feb 11, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Monte-Carlo results and Probability of successful outcome
Replies: 16
Views: 1927

Monte-Carlo results and Probability of successful outcome

First - thank you all for providing a "crowd sourced" financial intelligence via this forum. Been a member for a couple of years and been BH for about 8 years. And have been subscriber of Financial Engines for over 12 years. FE is where I first came across MC simulation and I really like t...
by Theseus
Fri Feb 10, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 5156

Re: When to invest- fear of crash

OP I did go through exactly this - but a long time ago. After the dot com crash wiped out over 60% of my money I couldn't bring myself to invest. I stayed over 90% in cash for a long period of time. I was so afraid to invest that I interviewed three different financial planner and/or money manager i...
by Theseus
Sat Feb 04, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 5658

Re: Walmart.com vs. Amazon.com

Same thing here. I am sticking with Amazon until Walmart figure out how to properly deliver it products. +1 Walmart has no clue as to how to package things. It is so ridiculous. I have ordered different things in different sizes, shapes, weights...every time the packaging is just horrible. I rather...
by Theseus
Sat Feb 04, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 5043

Re: Disney Cruise instead of Disney World?

We have been to Disney World several times. Done several cruises. Last one we did was a Disney cruise. We thoroughly enjoyed it. I believe your 7 year old will enjoy both, but will be much more comfortable in cruise than at the Disney world. Disney world is just mass of people and can get disorienti...
by Theseus
Fri Jan 20, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6369

Re: Medical Billing Disagreement - Stark Law

This is not my area of expertise or experience but I have to share a datapoint from last weekend. I was with a few doctor friends that all own their own practices. One of them was complaining how little he is being paid by insurance company for a specific surgery that he performs in his office. And ...
by Theseus
Fri Jan 20, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: When/If a degree is useful for software developers?
Replies: 45
Views: 3746

Re: When/If a degree is useful for software developers?

What if you turned around the question to your husband. Let's say someone without Mechanical Engineering degree got into that field and learned the ropes and becomes really good at it. What happens when he has to look for another job or progress in his career. So all else being equal, I will always ...
by Theseus
Fri Jan 13, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 60
Views: 9325

Re: best software for financial planning

After reviewing and evaluating - by actually using - both RPM and wealthtrace.com, I ended up getting a fully paid version of the wealthtrace.com While many may consider expensive at $249 for highest end version, and actually may not need it. But I think that is a perfect software for someone like m...
by Theseus
Tue Jan 10, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 60
Views: 9325

Re: best software for financial planning

FrequentT Did you end up using WealthTrace? If you did use it, I am interested in your opinion its capabilities. I am a mac user and ESPlanner requires windows (I am a past ESPlanner user of paid version). So I started looking for a comprehensive software for what I need. Mostly I want a software th...
by Theseus
Mon Nov 07, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: How to talk with a housekeeper?
Replies: 49
Views: 5848

Re: How to talk with a housekeeper?

I am not sure why you would loose her. Do you manage people at work? If not, do you have a manager? Treat this as the same. You have hired someone for a service and there are expectations. A manager explaining the expectations and showing examples of where expectations aren't met is not the reason p...
by Theseus
Wed Nov 02, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: What's the easiest/cheapest way to get a second phone number?
Replies: 34
Views: 2996

Re: What's the easiest/cheapest way to get a second phone number?

check out google.com/voice. I am certain it will meet her needs. More over she can use her existing phone - so no need for two phones. And on the settings page you can determine how and when to answer or let it go to voicemail.


And the best part? Its free.
by Theseus
Mon Oct 31, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Your thoughts on implications of increasing automation of manufacturing.
Replies: 23
Views: 2281

Re: Your thoughts on implications of increasing automation of manufacturing.

I am in the IT field. I believe machine learning is going to change our lives in ways we can not imagine. We are not talking about only manufacturing jobs. According to this paper published by Oxford, more than 50% of job categories in USA will be replaceable by machines. We have to start thinking a...