Search found 336 matches

by Theseus
Tue Sep 12, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on helping spouse feel that we are truly FI?
Replies: 18
Views: 1714

Re: Tips on helping spouse feel that we are truly FI?

Thanks for the input so far. To clarify why I posted this, my main purpose is to convince my wife that we are in good shape and have some options. She doesn't need to be as stressed about work or money at this point. The second reason is so that we can dream and discuss more about future options an...
by Theseus
Sun Sep 03, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 7149

Re: When to give resignation notice

OP do you live in an employment at will state? I am in Virginia and it is employment at will. Our contract stated two weeks of notice. But I had one employee during an extremely critical stage of the project came into work Sunday night, left all his belonging and send an email with a resignation eff...
by Theseus
Sun Sep 03, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Dad as Investment Advisor for Kids
Replies: 51
Views: 4423

Re: Dad as Investment Advisor for Kids

I don't think there is anything wrong with what you have done so far. But going forward you may want to change it. Have you considered making them part of the process? My dad never directly taught me all of it, but he always made me part of the process when he was working on investments. Not only in...
by Theseus
Tue Aug 29, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 7149

Re: When to give resignation notice

I would just give 3 months. But many times employers have reasons to walk you out earlier. If you are in a serious position with access to a ton of things they are worried about protecting their IP and their customer database among many other things. It is better for them to pay you severance. If yo...
by Theseus
Tue Aug 29, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing Estate Planning Attorney
Replies: 2
Views: 550

Interviewing Estate Planning Attorney

Hi I "retired" from my gig - sold my business - at 50 this year. We have no will and no estate plan. I know this is not very smart at my level of considerable wealth (In excess of $10 million). I am in the process of taking care of that this year. I have received referral for 3 attorneys so far. Whi...
by Theseus
Fri Aug 18, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 18060

Re: Jobs that pay over $100,000

It depends what comes easy to him and how hard working he is. I am not of the opinion that you must have a career in what you love. As I tell my kids, there are things you will absolutely never want to do (e.g. my dd would never want to do anything with medicine - it grosses her out). But beyond tha...
by Theseus
Fri Aug 18, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 8392

Re: How useful is a home security system?

OP I will directly address the question you posted. After a string of break-ins in our area 4 years back we considered getting a security system. During that time our HOA invited sherif's office to come and speak to people. It was a very illuminating. Additionally our county offers a specialized she...
by Theseus
Fri Aug 11, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2559

Re: Warm Place for Thanksgiving family reunion

Thank you all for great suggestions. We are a little late because I almost booked for the entire family in Jamaica. And then this Zika issue came up. We don't need it to be super warm. We just don't want to be cold entire time. Mid to high 60s is fine. I am seeing three options from what everyone is...
by Theseus
Wed Aug 09, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2559

Warm Place for Thanksgiving family reunion

We are trying for a family vacation for people of 12. Due to Zica concerns for one family member, we have to be in the USA. Our idea is to rent a house or villa for one week (our family gets along well and no issues spending a week together). We are looking at Miami or Southern California. We will h...
by Theseus
Mon Jul 31, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap "starter" home or stretch "forever" home?
Replies: 18
Views: 1737

Re: Cheap "starter" home or stretch "forever" home?

Not sure this will help but... 1. I would buy a middle priced house in the community where there are more expensive houses. This will appreciate more in a longer term or at least won't depreciate as much. I have first hand experience doing this twice. 2. Condo fees are a big drag. If you are a Bogle...
by Theseus
Wed Jul 26, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 3162

Re: Italy in August Trip (Rome, Florence, Venice)

While in Florence take time to visit some of the hill towns and other sites in Tuscany. It is a beautiful area but will require a car to get around. Siena and San Gimignano are good to see and there are many others. + 1. And I would add Luca to that list. Each of this town you can easily spend half...
by Theseus
Sun Jul 23, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3696

Re: Commuters (that drive), what do you listen to?

I used to commute 2-3 hrs a day for over 15 years. With me music got old very quickly. I needed variety. So I would listen to NPR, podcasts, and most importantly Books on Tape. Back then they were audio cassettes, then CDs, and now just MP3. I spent nothing on these books as my local library had a g...
by Theseus
Wed Jul 19, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 26
Views: 2900

Re: Continue stock picking or invest in index funds

I used to pick my own stocks before the .com bust. But that bust taught me something. Access to information, skills to do the analysis and ability to apply that to the industry sector, micro and macro economic factors are most critical in "picking" a stock. I know now, the professionals on the wall ...
by Theseus
Wed Jul 19, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing ROR across three funds (FBIOX, VHT, S&P500)
Replies: 4
Views: 453

Re: Comparing ROR across three funds

I suggest PortfolioVisualizer . Hope this is somewhat close to what you were looking for ... Good luck .... 8-) I used this and it does give me a lot more. Thank you. But is there any tool that accounts for tax implications of actively management fund such as FBIOX vs. passively managed S&P500 fund?
by Theseus
Tue Jul 18, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing ROR across three funds (FBIOX, VHT, S&P500)
Replies: 4
Views: 453

Re: Comparing ROR across three funds

WoodSpinner wrote:I suggest PortfolioVisualizer.

Hope this is somewhat close to what you were looking for ...

Good luck .... 8-)
Thank you. I will check it out.
by Theseus
Tue Jul 18, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing ROR across three funds (FBIOX, VHT, S&P500)
Replies: 4
Views: 453

Comparing ROR across three funds (FBIOX, VHT, S&P500)

I want to compare ROR of three funds. FBIOX, VHT and S&P500. Most of my investments are in S&P500. But a very small (less than 3%) of my portfolio I invested in FBIOX and VHT in 2013. I am trying to compare these three with a specific start date in 2013 to see how was the risk adjusted return for FB...
by Theseus
Sat Jul 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Upcoming Marriott Stay
Replies: 13
Views: 1973

Re: Upcoming Marriott Stay

If you are ok about being around that area and not specifically that Marriott then check out hotwire.com. I use it often and it is much better priced (sometimes half the price). Only thing is that you won't know which hotel it is. But anything 3 star and above is reasonably decent.
by Theseus
Wed Jul 12, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 13247

Re: What do you splurge on?

I doubt they will be 30k above the sea level. It is a helicopter ride to 15k Add 15k to whatever ground level is above sea level. I was at 12,000 feet standing on the ground and the air was thin for someone not used to it. I am not sure I fully understand. Can you explain? I thought all altitudes a...
by Theseus
Wed Jul 12, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 13247

Re: What do you splurge on?

15k feet sounds impressive, but Eiger summit is around 13k. About high high was your jump above the ground? I will find out day after tomorrow how high do they take us. It better be 15,000 above ground level. 2,000 above ground level would be a combat type free fall, very dangerous. U.S. Navy SEAL ...
by Theseus
Wed Jul 12, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 13247

Re: What do you splurge on?

Here is my splurge. On a vacation in Switzerland, on a whim I decided to go sky diving (from over 15,000 feet) over Eiger Mountain (Jungfrau). With video and everything it is almost $1,000. But that is once in a lifetime - survive or not :D :D 15k feet sounds impressive, but Eiger summit is around ...
by Theseus
Wed Jul 12, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 13247

Re: What do you splurge on?

Here is my splurge. On a vacation in Switzerland, on a whim I decided to go sky diving (from over 15,000 feet) over Eiger Mountain (Jungfrau). With video and everything it is almost $1,000. But that is once in a lifetime - survive or not :D :D 15k feet sounds impressive, but Eiger summit is around ...
by Theseus
Wed Jul 12, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 13247

Re: What do you splurge on?

Here is my splurge. On a vacation in Switzerland, on a whim I decided to go sky diving (from over 15,000 feet) over Eiger Mountain (Jungfrau). With video and everything it is almost $1,000. But that is once in a lifetime - survive or not :D :D
by Theseus
Mon Jul 10, 2017 5:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 309
Views: 44688

Re: Roll Call for the Retirement Class of 2017!

As of yesterday at 1:48 PM, I am done at the age of 50. Sold my business, transaction done yesterday and I will take next couple of years t figure out what will I do next. But happy to say I am "retired" from my old profession and don't think I will have to work for money any more. :sharebeer Congr...
by Theseus
Mon Jul 10, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 1975

Re: Need to get dental implant done..

As you get older, it is likely that you will need more and more dental services that are expensive. I would certainly try it out - if you have ability to investigate expertise and reliability - so you have a dental service that works within a reasonable budget for future problems. I know a friend wh...
by Theseus
Sun Jul 09, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 4713

Re: Is Vanguard down this AM (7/9/17)?

Guys this is not your average mom and pop website. This is a website and backend that manages trillions of dollars. There is no excuse for any downtime. Is is routine to have clusters of servers and have updates done on a rolling basis that results in no downtime. Websites that are far less critica...
by Theseus
Sun Jul 09, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 4713

Re: Is Vanguard down this AM (7/9/17)?

Guys this is not your average mom and pop website. This is a website and backend that manages trillions of dollars. There is no excuse for any downtime. Is is routine to have clusters of servers and have updates done on a rolling basis that results in no downtime. Websites that are far less critica...
by Theseus
Sat Jul 08, 2017 3:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 309
Views: 44688

Re: Roll Call for the Retirement Class of 2017!

As of yesterday at 1:48 PM, I am done at the age of 50. Sold my business, transaction done yesterday and I will take next couple of years t figure out what will I do next.

But happy to say I am "retired" from my old profession and don't think I will have to work for money any more. :sharebeer
by Theseus
Thu Jun 29, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire - Concierge Service experience
Replies: 6
Views: 2230

Chase Sapphire - Concierge Service experience

Apparently CSR includes 24/7 access to concierge service that provides a wide range of services to obtain the assistance of a concierge who can book a vacation, obtain theatre tickets, initiate restaurant reservations etc. If you have used this service I am interested in finding out what is your exp...
by Theseus
Wed Jun 28, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2593

Re: swimming goggles

I use these. And I love them. They also have attached ear plugs so no need to separately worry about your ear plugs.


https://www.amazon.com/gp/product/B01M1 ... UTF8&psc=1
by Theseus
Tue Jun 27, 2017 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Losing job, seeking advice
Replies: 16
Views: 2770

Re: Losing job, seeking advice

It is scary and unsettling to be losing a job since he has been at one place for so long. He may not realize all the opportunities out in the world that may be even better. US unemployment is very low by most standards and it may not be too difficult - depending on his field . You are very smart to ...
by Theseus
Sun Jun 25, 2017 1:49 am
Forum: Personal Finance (Not Investing)
Topic: S corp salary timing
Replies: 7
Views: 1033

Re: S corp salary timing

You may want to run a scenario in your Turbotax to see if there would be any penalty for not paying quarterly taxes. But in a situation like yours, I have done a smaller salary (e.g. 120k) paid during the year and a large bonus (e.g. 60k) at the end of year. I did this for over 10 years and no probl...
by Theseus
Sun Jun 18, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1876

Re: Office Chair

i highly recommend http://www.thehumansolution.com/raynor- ... e7erg.html

I have had 3 of these for last 10 years. One at my work and two at home. I love them and back then I got it for around $500.
by Theseus
Tue Jun 13, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 44523

Re: Regret early retirement/downsizing

Such a timely thread for me personally. I am 50. Have been financially independent for at least 7 years. But continued on. But this year I am exiting. In process of selling my IT business and hopefully I will be out of workforce in next four weeks or so. I have not given much thought about what I wi...
by Theseus
Tue Jun 06, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 1436

Re: Help with choosing Financial Planning / Investment Firm

Thank you mhalley - I am thinking smaller, more personalized service than from what I believe Vanguard, Fidelity, and Schwab offer. For example, the plan should be tailored to my particular circumstance wrt age, income, current retirement / non-retirement balances, remaining years employed, etc. Fr...
by Theseus
Tue Jun 06, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 17884

Re: Flying first class, business, versus economy.

I was a typical boglehead and never would fly business until two years ago when I was stranded in Nepal and the only way out immediately was a business class. After that experience it is hard to go back to economy if the flight is more than 8 hrs. I am so fresh when I get off the plane it makes a hu...
by Theseus
Tue Jun 06, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 35
Views: 4205

Re: Anti virus protection

If you have high speed landline internet connection then check your service provider. Ours is Comcast and Norton AntiVirus is free for us. No reason to pay if they are providing it for free :)
by Theseus
Wed May 31, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Real Estate: Direct vs Indirect Investment
Replies: 92
Views: 9118

Re: Real Estate: Direct vs Indirect Investment

Is the potential return from direct investment higher? What do you real estate guys think of each type of real estate investing, both pros and cons? I currently have 15 "buy and hold" rental properties. On paper, they always look like they will give a 20-25% return on equity when I buy them, but in...
by Theseus
Sun May 28, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 6960

Re: Looking for advice/reassurance on what to do with $4-5m

B. To account for the worst case scenario I assumed that I would be invested in 100% equity (S&P500 index). Analyzed S&P500 historical chart going back 60 some years and additional data points provided in this forum. I extracted several worst downturn scenarios and time it took for S&P 500 to come ...
by Theseus
Sun May 28, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 6960

Re: Looking for advice/reassurance on what to do with $4-5m

Throwaway Congratulations on making it there at such a young age. Since the day you posted I have been wanting to reply. I was in somewhat of a similar situation...and have been following this forum for a little while. Here are some of my observations, experiences, and comments. First thing you will...
by Theseus
Mon May 22, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: What type of account would you recommend for a small business?
Replies: 1
Views: 342

What type of account would you recommend for a small business?

Hi I am establishing an LLC with the initial capital of around $500k from the proceed that is coming my way. For the reasons not relevant to my question, I like this money to go directly to the LLC account. This capital will not be immediately put to use until I figure out exactly how I want to purs...
by Theseus
Sun May 21, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6607

Re: What are your priorities for retirement?

I retired four years ago. For forty working years prior to that, I always traveled and explored the US and limited foreign countries. I adjusted the scope of my travels over time depending on how much $$ was left over after saving for retirement. As a working person, I seldom took more than four to...
by Theseus
Wed May 10, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 7173

Re: What newspaper or magazine do you pay for?

Washington Post - paper and digital
Kiplingers

All other news - online.
by Theseus
Sat May 06, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1494

Re: Southeast Asia for a week, in August first week

Not sure how much variation among those places but I think Thailand gets brutally hot and humid in August. You might want to look at planning around climate? I was in Thailand in March. It is a nice and very clean country and very friendly people. But it was very hot and humid and I absolutely hate...
by Theseus
Sat May 06, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: question for accountants, business owners: what is normal?
Replies: 3
Views: 642

Re: question for accountants, business owners: what is normal?

Unless I am missing something it seem like this is very mismanaged business.

Do they have comptroller?

Most businesses should focus on cash flow and AR and have processes around ensuring they get paid in a timely manner. All other things can be - generally - fixed if you had timely cash flow.
by Theseus
Thu May 04, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 4118

Re: Visiting Paris for 8 days - what to do?

I may run into OP in Paris. We are there of about the same time in the end of June. Rented a terrific apartment near the Eiffel tower. I find this thread to be really helpful to my trip as well. OP, If you haven't downloaded, I highly recommend downloading Google Trips app. It has city guides, itine...
by Theseus
Wed May 03, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1473

Re: Impact of Interest Rates on Bonds vs. Bond Mutual Funds

@PJW Thank you for the wiki link you sent in the earlier message, it was extremely useful. I read through it last night. Understood most of it. But will have to read again to understand all of it. But it did answer my question. My horizon is very long term. And I can see that for a long term holder,...
by Theseus
Mon May 01, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1473

Re: Impact of Interest Rates on Bonds vs. Bond Mutual Funds

Thank you for the detailed information - I will go through the wiki link. And I thought I was a very educated investor...ha!! So then, if one is NEVER EVER selling a bond fund then the risk is just a paper loss (or gain) and its impact on your target asset allocation? What I am trying to figure out ...
by Theseus
Mon May 01, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1473

Impact of Interest Rates on Bonds vs. Bond Mutual Funds

I know that bond prices usually move in reverse direction of the interest rate movement. And by corollary the NAV of the Bond Mutual Funds also. So one the ways to mitigate that risk and avoid the "loss of principal " is to own the individual bonds to its maturity. (Assuming that there is a way for ...
by Theseus
Sat Apr 29, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4566

Re: Car maintenance for older cars - where do you go ?

For most of the routine maintenance I just take it to my neighborhood trusted mechanic. There is not much to the routine maintenance these days. I used to do a lot of it myself for my Toyota Corolla and I can't imagine why would I pay a dealer price for something as trust worthy as Toyota. But now t...
by Theseus
Sat Apr 29, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Business Startup and treatment of Net Operating Loss (NOL)
Replies: 1
Views: 266

Re: Business Startup and treatment of Net Operating Loss (NOL)

Bumping this up, in case anyone has information to share.