Search found 241 matches

by Theseus
Sat Feb 04, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 5664

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: 5044

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: 6394

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: 3749

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: 9339

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: 9339

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: 5849

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: 3006

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: 2289

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...
by Theseus
Tue Oct 18, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Setting up a Server
Replies: 19
Views: 2196

Re: Setting up a Server

If you set one up at home, make sure there is a constant back of the server on the cloud or set up NAS server with RAID configuration. My family member lost all the video of kids and family vacation when his disk crashed and become unrecoverable.
by Theseus
Tue Oct 11, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 8332

Re: What podcasts do you listen to?

- Planet Money
- Masters in Business (Barry Ritholtz)
- Freakonomics

Not much to do with Financial Independence but my favorites are
- Wait Wait Don't Tell me
- Science Friday
by Theseus
Sun Oct 02, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Tools for projecting dividend & interest income
Replies: 5
Views: 596

Re: Tools for projecting dividend & interest income

Who do you hold these funds with? On my Vanguard statement (brokerage account), it shows projected annual yield for each position and for that account as a whole. My Fidelity statement has a table showing the projected monthly income for each account and each instrument type (funds, stocks, bonds, ...
by Theseus
Sun Oct 02, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Tools for projecting dividend & interest income
Replies: 5
Views: 596

Tools for projecting dividend & interest income

I am wondering if there is any tool online where I can enter the ticker symbols of mutual funds I own and the number of shares. And it can project out dividend payout for each one of them for the next 12 months? I am ok if it is just an estimate. I have been looking for this and can't find anything ...
by Theseus
Sun Oct 02, 2016 7:39 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 17436

Re: How Did You Become A Boglehead? What Led You Here?

I have always read a lot about finance and investing. I was buying and selling individual stocks in the dot com days. Made a lot of money and lost all of it. Then in 2000s, I became weary of financial advisors, planners etc. based on many stories and scandals I had heard. So read some books and even...
by Theseus
Sat Oct 01, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Business and Professional License(BPOL)
Replies: 6
Views: 607

Re: Business and Professional License(BPOL)

Thanks! Does it changes if its home based Vs Virtual office Vs Physical Property? I am a business owner myself. Originally in Fairfax county then Loudoun and now in since 2014 in Fairfax again. I had it home based until 2014. And if I remember correctly I had to get BPOL even then. It is not a big ...
by Theseus
Thu Sep 29, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 7900

Re: Where/how do Bogleheads get their tires inflated?

I use a multi function thing I bought from Costco. It is about $100. It has a battery to jump the dead battery and tire inflator.
by Theseus
Thu Sep 29, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance to avoid estate tax?
Replies: 18
Views: 1810

Re: Life insurance to avoid estate tax?

Over the weekend at a gathering of friends, I heard one of my friends say that one of the way rich people avoid estate tax is by buying life insurance with your heir as beneficiary. That sounded too simple to me. So I did more investigation and found following. 1. This applies to only those that ha...
by Theseus
Tue Sep 27, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance to avoid estate tax?
Replies: 18
Views: 1810

Re: Life insurance to avoid estate tax?

Yes, this technique is used but it doesn't necessarily result in transferring any more wealth than if the gifts were made and not used to buy life insurance. Gill Gill I am not sure I understand that. Generally insurance premium for a term life is a lot cheaper. So if I buy the life insurance for a...
by Theseus
Tue Sep 27, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance to avoid estate tax?
Replies: 18
Views: 1810

Life insurance to avoid estate tax?

Over the weekend at a gathering of friends, I heard one of my friends say that one of the way rich people avoid estate tax is by buying life insurance with your heir as beneficiary. That sounded too simple to me. So I did more investigation and found following. 1. This applies to only those that hav...
by Theseus
Tue Sep 27, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 9733

Re: Spouse concerned about buying luxury SUV

Thesues: What brand/model do you have? My wife has Mercedes CLA with adaptive cruise control. I wish I had it in my Audi Q5. I am a little envious. I had heard the Honda adaptive cruise control wasn't very good before I bought the car. I didn't expect much, and my expectations were met. Don't be en...
by Theseus
Tue Sep 27, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 9733

Re: Spouse concerned about buying luxury SUV

I am not sure if it is available in any of the models you are looking for but for that much travel, I would spend extra money on adaptive cruise control (and potentially lane departure and lane correction features). Setting up a cruising speed and letting it automatically slowdown or speed up based...
by Theseus
Tue Sep 27, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 9733

Re: Spouse concerned about buying luxury SUV

I am not sure if it is available in any of the models you are looking for but for that much travel, I would spend extra money on adaptive cruise control (and potentially lane departure and lane correction features). Setting up a cruising speed and letting it automatically slowdown or speed up based ...
by Theseus
Mon Sep 26, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 8690

Re: Audi Service Dealership Cost too high? Where should I take it?

Lindrobe wrote:
Thesues wrote:The service guy was telling me If I had bought the AudiCare at the time of the car purchase, It would have costed me $30 and included total 4 services.


AudiCare would have only costed $30? How can that be? I paid around $700 for AudiCare for 4 years.


He said, additional $30. Corrected my post :-)
by Theseus
Mon Sep 26, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 8690

Re: Audi Service Dealership Cost too high? Where should I take it?

OP here. So finally getting quotes for the transmission fluid change from independent shops, I ended up taking it back to the dealer. The quotes were coming in around $1100 just for that. They had to use original ATF and some other parts and the cost of the parts from the dealer was way too high. Ma...
by Theseus
Fri Sep 23, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 8690

Re: Audi Service Dealership Cost too high? Where should I take it?

If you want cheap maintenance, you don't buy a luxury car +1. OP might consider changing out vehicle now if costly routine maintenance wasn't factored into the price of the vehicle at time of purchase. One could presume that bigger (read: costly) repairs are in store as the car gets older. I can af...
by Theseus
Thu Sep 22, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 8690

Re: Audi Service Dealership Cost too high? Where should I take it?

Thank you all for your replies and confirming my feelings that I was being gouged. I will call around and find a local shop and post my experience back here.
by Theseus
Thu Sep 22, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 4826

Re: Chicago Food/Restaurant Recommendations

DW and I are visiting Chicago for a week in early October. We are renting a place in the Near North Side and most of our activities will be around that area and the Loop. I spent a summer in Chicago a few years back but I was living on a grad student budget and didn't get a chance to eat out much. ...
by Theseus
Thu Sep 22, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 8690

Audi Service Dealership Cost too high? Where should I take it?

Hi I am a first time Audi Q5 - Hybrid owner. Today I took my Q5 for 35,000 mile service to the Audi dealership. The dealer said since I don't have Audi Care package, it will cost approximately $1,800 . But I can by Audi Care package for about $900 that will take care of my 35,000 miles as well 45,00...
by Theseus
Sun Sep 18, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 4949

Re: Coffee makers: Moka, French Press, etc.

I use a cappuccino maker by Saeco Intellia that I purchased from Costco for $500. Similar to this one. m I only drink Mocha and this one is just perfect - FOR ME - I use Kirkland brand columbian supremo coffee beans. Cheaper in the store. - Whole milk - Brown Sugar - Ghirardelli Double Chocolate coc...
by Theseus
Tue Aug 30, 2016 10:53 am
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 26817

Re: $50M+ - Need a sounding board/advice

I think more money should mean these decisions can be made easier.. It makes sense, when you are an average person, who expects to work 30-40 year, and come to bogleheads and start a 4 page thread about 3.64% vs 3.92% safe withdrawal rates. But if you have $50M, and are spending $200k a year, your ...
by Theseus
Mon Aug 29, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Fit bit
Replies: 35
Views: 3009

Re: Fit bit

If she has iPhone, then it's Health App thing automatically counts steps if you carry it around.
by Theseus
Sun Aug 28, 2016 9:03 am
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 26817

Re: $50M+ - Need a sounding board/advice

You have really good input from others. So I will provide a little different view. My portfolio is not at your level, but based on my current and projected needs, I have way more than I will need in my life time. But I have a major desire to help a specific cause that is close to my heart. So I have...
by Theseus
Thu Aug 25, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 36
Views: 3552

Re: Office Chair

I have one of these at home and at office for last 10 years. I love it and pricing is reasonable.Similar to HM but almost half the price and as good.

http://ergohuman.com/ergohuman-chair
by Theseus
Wed Aug 10, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Visiting Washington, DC
Replies: 27
Views: 2601

Re: Visiting Washington, DC

No way to do everything in 5 days so I would focus on doing only specific things rather than rushing everything. I think following are a must for me. Capitol tour Air and Space Museum Botanical Gardens Natural History museum Washington Monument Lincoln Memorial Jefferson Memorial A performance or sh...
by Theseus
Wed Aug 10, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 4116

Re: Airbnb rental review

I think you have to rate it based on how you felt. I would rate as a 3 or 4 star and leave the comments on what you encountered. I rely heavily on comments and owner's responses to judge if the place is right for me. If it said it had AC, most people will assume it is fully air-conditioned. As a con...
by Theseus
Wed Aug 10, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Websites - CNBC & Fox Business
Replies: 13
Views: 1607

Re: Websites - CNBC & Fox Business

They are very useless as channels and websites. They have to find something to talk about to keep their ratings up so they can get the ad revenue. I have found them to be detremental to my goal of being a boglehead.
by Theseus
Mon Aug 01, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Reloadable Prepaid Credit/Debit card with no fees
Replies: 8
Views: 870

Re: Reloadable Prepaid Credit/Debit card with no fees

Thank you all. I will check with my bank and see if they are offering free account for kids. Credit union is too far for us and I want kids to learn depositing and withdrawing cash and learn the "adult" people skills.
by Theseus
Sun Jul 31, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Reloadable Prepaid Credit/Debit card with no fees
Replies: 8
Views: 870

Reloadable Prepaid Credit/Debit card with no fees

Hi I have started a weekly allowance for my two kids and have them track their expenses on the App on their phone. For two months it has been working well, but they are having to manage cash all the time (which I want them to learn anyway). But it would be convenient to give them a reloadable prepai...
by Theseus
Sun Jul 31, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Eastern Europe Trip Planning - Advise?
Replies: 34
Views: 3387

Re: Eastern Europe Trip Planning - Advise?

Theseus: I PM'd you. I have found that it is better to fly into or out of Budapest. The flights are consistently cheaper. Since we will already be in Prague either at the beginning of the end (not sure which, yet), we will use their airport one time. This might be a ridiculous question, but since a...
by Theseus
Sat Jul 30, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Eastern Europe Trip Planning - Advise?
Replies: 34
Views: 3387

Re: Eastern Europe Trip Planning - Advise?

Hi All, I have been trying to plan an international trip with two legs, one to Budapest and then head over to Prague for a few days. I am, of course, wanting to do this relatively cheaply. I have been comparing different sites and flights for a bit. I used Trip Advisor, Google Flights, Hotels.com, ...
by Theseus
Mon Jul 25, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2946

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

My experience with NAPFA was a tendency to say they would work for an hourly fee but to in fact bait and switch to AUM. Your results may be fine but I would always be very cautious not to fall for a sales pitch after a come-on. I do not believe NAPFA is a guarantee of anything. I have heard well bu...
by Theseus
Fri Jul 22, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 20023

Re: How many folks choose to give inheritance to their children in unequal portions?

I would give each the same amount, however I might do that in different ways: Child 1 very responsible with money: give them the money Child 2 that is not responsible with money: use the amount to buy an annuity so they can't blow it all, but will help them for a long time Child 3 that isn't bad wi...
by Theseus
Sun Jul 17, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Estate Planning Question - High Networth
Replies: 3
Views: 761

Re: Estate Planning Question - High Networth

Another person on the team may add value. Sometimes he/she has a longstanding relationship with the client, knows the client's family, assets and objectives, and is able to help focus things, translate concepts into plain English, and be the catalyst to make things happen. However, another person o...
by Theseus
Sun Jul 17, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Estate Planning Question - High Networth
Replies: 3
Views: 761

Estate Planning Question - High Networth

Hi I have had access to fidelity Private Client group services - it is free with no direct fee (there may be some indirect fees if I used their recommended services ). Thought this group I have a really good financial planner that I feel is competent and seems fairly objective and I can see that he ...
by Theseus
Wed Jul 06, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Ideal allocation for someone who has reached their "number"
Replies: 38
Views: 5241

Re: Ideal allocation for someone who has reached their "number"

Hi all. I'm 61 years old and have accumulated about $6 million, INCLUDING IRAs and the lump-sum value of my pension. However, I'm having difficulty determining an ideal stock-bond-cash ratio. Right now, I'm sitting at 40% stocks, 35% fixed income and a whopping 25% cash, mostly due to inability to ...
by Theseus
Mon Jul 04, 2016 12:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: The Declaration of Independence
Replies: 44
Views: 4395

Re: The Declaration of Independence

Happy 4th everyone!!
by Theseus
Sun Jul 03, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 4358

Re: Unexpected Medical Facility Charges - Outpatient Surgery

I know there are many medical professionals on this site. May be they will dispute or provide more insight here. This happened to a close friend of mine. His father was in the hospital for some surgery. And while he was hospitalized, he noticed that random specialist will show up for a five minute v...
by Theseus
Tue Jun 28, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 12364

Re: For those that "buy" during stock market downturns...

Major proportion (close to 85%) of my money is outside tax sheltered accounts (for various reasons). Most of the money is in broad index funds (S&P etc) that have appreciated quite a bit. So rebalancing is really hard for me since it triggers capital gains tax etc. So what I have done is I retai...
by Theseus
Mon Jun 27, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 5210

Re: Recommend Ad Blockers

runner9 wrote:https://adblockplus.org/en/internet-explorer

Adblock plus is available for Explorer and several other browsers, just look under the "install now for ...." button to select a different version.


+1

Using it for over two years and i really like it. No Ads period!