Search found 29 matches

by HelloImAMac
Tue Jul 07, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: $100 k for a MBA, worth it ?
Replies: 20
Views: 3282

$100 k for a MBA, worth it ?

Thats a question I have been asking myself for sometime and trying to decide if I should do a MBA (top 20 school that is near where I live) and why I should do a MBA. There have been colleagues that have done a MBA and have received multiple promotions since then and career growth. Now a little bit ...
by HelloImAMac
Tue Jun 09, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: Mobile Phone SIM to use in Austria/Switzerland
Replies: 6
Views: 563

Mobile Phone SIM to use in Austria/Switzerland

Hello I am traveling to Schengen countries for the first time with my family. where would I buy SIM cards for use in Austria/Switzerland in the US ? I am presuming it would be cheaper to buy many things here rather than in Europe. Please advise. PS: Also need to buy wall charger adapter for my mobil...
by HelloImAMac
Sat May 30, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Schengen Visa Travel Health insurance
Replies: 8
Views: 796

Schengen Visa Travel Health insurance

Hello My family and I are visiting Austria and Switzerland this summer. I have some questions about health insurance in the Schengen countries. All 4 of us have United Heath options PPO plan offered via our company. But while reading through this website http://www.schengenvisainfo.com/ we are formi...
by HelloImAMac
Mon Apr 06, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1466

Re: Obtaining Swiss visa in the US

Oops sorry, forgot to mention
the parents hold an Indian passport and the kids hold an American passport.
by HelloImAMac
Mon Apr 06, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1466

Obtaining Swiss visa in the US

Hello We are planning to visit Europe in month of August. We will be staying 7/10 days in Switzerland. So I have been told that we need to get Schengen visa from the embassy where we will spend the most time. here is the visa regulation for Switzerland and they have used very "generic" lan...
by HelloImAMac
Thu Apr 02, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Visiting continental Europe (first time) with kids
Replies: 20
Views: 2139

Re: Visiting continental Europe (first time) with kids

Yup tried convincing not to visit Switzerland with wife, but lost the battle.
that aside i checked the rates i saw 1 USD buys 0.96 Swiss Francs.
by HelloImAMac
Thu Apr 02, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: Visiting continental Europe (first time) with kids
Replies: 20
Views: 2139

Visiting continental Europe (first time) with kids

Hello We have decided to visit Europe (Austria and Switzerland) for about 10 days with 2 kids (ages almost 7 and 4) - given the strong dollar. We have been to London back in 2006, and this is our first trip to Europe since then. are there any checklists of items to carry when visiting these countrie...
by HelloImAMac
Mon Feb 23, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Making my accounts more tax efficient
Replies: 2
Views: 408

Making my accounts more tax efficient

Hello My wife and I have been investing regularly each month into our 401 k and our savings account in Vanguard. I am estimating our total savings is about 22% of our gross income/year. But I have to admit I did not pay much attention to tax efficiency. Here are my questions : 1) How would I make th...
by HelloImAMac
Sat Nov 08, 2014 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Panel - Sun Power or LG
Replies: 3
Views: 649

Solar Panel - Sun Power or LG

Hello We are considering solar panels for our home. The cost structure is different between the two - SunPower E20/327 ($4.30/DC watt) vs LG Mono X Neon with Mono X ACE micro inverter ($3.80/DC watt). LG has 300 W peak power output/panel. has anyone used LG Mono X Neon with Mono X ACE micro inverter...
by HelloImAMac
Thu Oct 16, 2014 11:54 am
Forum: Personal Consumer Issues
Topic: Grand Canyon by rail
Replies: 8
Views: 787

Grand Canyon by rail

Hello My wife and i are thinking of visiting the Grand Canyon (our very first time) with 2 kids (6 and 3 years old) and my in laws. we are thinking of taking the train http://www.thetrain.com/?gclid=CNH_i-fPscECFccRMwodgwQAFw Some questions : is it a good way to visit the park and enjoy nature ? we ...
by HelloImAMac
Sun Sep 28, 2014 3:13 pm
Forum: Personal Consumer Issues
Topic: Solar Panel company recommendations - San Diego/ Southern CA
Replies: 11
Views: 1328

Solar Panel company recommendations - San Diego/ Southern CA

Hello, After working out the economics my wife and I decided its time for solar- also kind of feel the need to reduce our carbon footprint. We are looking for solar company recommendations. Anyone that has use a specific company's services, please care to recommend. We do not mind larger companies s...
by HelloImAMac
Fri Aug 22, 2014 4:04 pm
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 2203

Stopping Junk mail from USPS

Hello
I receive a lot of junk mail in my mailbox via USPS. Most of these are marketing materials that I am not interested in. About 98% of the mail I receive is junk.
Please suggest a tried and tested method to reduce junk in my mail box.

Thanks !
by HelloImAMac
Fri Apr 25, 2014 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Living trust to avoid probate
Replies: 21
Views: 2825

Re: Living trust to avoid probate

Just went through this process when we revamped our estate documents. Learned a few things along the way: 1. The State you live in and have assets in makes a huge difference on probate issues/costs. 2. Living trusts are oversold 3. Many people that shell out the extra money for a LT end up in proba...
by HelloImAMac
Thu Apr 17, 2014 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3879

Re: Where are the Opportunities now ?

I probably haven't tasted the kool aid of Boglehead - I get it from your answers. So I have some questions about ideology then - since obviously I havent gotten the mantra yet. What about value investors that buy common stocks at uncommon prices and sell them at uncommon prices ? are we not to take ...
by HelloImAMac
Thu Apr 17, 2014 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3879

Re: Where are the Opportunities now ?

what about the split between stocks/bonds for the 401 k portfolio given the recent sky high valuations as noted by Shiller PE for SP500 ?

http://www.multpl.com/shiller-pe/
by HelloImAMac
Thu Apr 17, 2014 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3879

Re: Where are the Opportunities now ?

yes I very well agree that no one can get right market timing all the time. But I was trying to just take a little bit of risk with my money in 401 k based on some advice from Brett Arends. http://www.marketwatch.com/story/what-the-big-money-is-betting-on-in-2014-2013-12-18 What is your thought on i...
by HelloImAMac
Thu Apr 17, 2014 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3879

Where are the Opportunities now ?

where are the opportunities now ? my Traditional 401 k account reads like this today - Vanguard Inst Index 500 - 52% FGOVX - 22% PTTRX - 15% AF Europac Growth - 6% Cash - 5% I am looking to invest the cash portion in an area of opportunity. Metals/Commodity (considering the rout of gold) or Brazil ?...
by HelloImAMac
Sat Dec 28, 2013 1:28 am
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 2370

Europe with young kids - 6 and almost 3, bad idea ?

we are considering talking a 10-12 day trip to Europe (Czech, Austria, Germany) during Aug of 2014 when the kids have summer break. good idea with kids and that too Europe ? I am a bit skeptical - lot of walking, long hours - i am a bit worried they may get tired soon and we may not be able to see m...
by HelloImAMac
Fri Oct 11, 2013 12:34 am
Forum: Investing - Theory, News & General
Topic: What do you read daily about Investing/Investments
Replies: 22
Views: 2072

What do you read daily about Investing/Investments

Hi Folks I regularly read WSJ,FT.com and listen to marketplace.org radio. these material are excellent but mostly focus on company news, macroeconomic conditions - all good stuff that keeps me informed But I am looking for little bit more - a website or publication that routinely talks about value s...
by HelloImAMac
Mon Apr 01, 2013 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Whats deductible on a Mortgage Loan Refi ?-Primary Residence
Replies: 1
Views: 257

Whats deductible on a Mortgage Loan Refi ?-Primary Residence

Hi My most recent refinance looks like this. I will be filing as 'Married Filing Jointly" with my wife. Our AGI does exceed $ 109,000 for 2012 (so no deducting Mortgage Insurance premium deduction) . From publication http://www.irs.gov/taxtopics/tc504.html I came to know the points are deductib...
by HelloImAMac
Sun Mar 24, 2013 11:56 am
Forum: Personal Consumer Issues
Topic: Vacation ideas in California - on the beach !
Replies: 12
Views: 965

Vacation ideas in California - on the beach !

I'm a father of 2 girls (4 and 1) My family and I (2 kids + wife + myself) would like to plan a vacation on the CA coast. we are looking for ideas. A couple of years back we took a vacation in Kauai in Hawaii. It was a wonderful vacation. We are looking for something similar to do in CA (4-5 day roa...
by HelloImAMac
Fri Jan 04, 2013 10:02 pm
Forum: Personal Consumer Issues
Topic: Table and chair set - online
Replies: 4
Views: 551

Table and chair set - online

I am looking for a good looking table and chair set for my home. I am looking to seat 4 but needs to be elegant and something that I can keep for life. My budget is 600-1000 dollars. any suggestions on where I can look ? are there any great vendors that sell for a reasonable price or am I trying to ...
by HelloImAMac
Tue Aug 28, 2012 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage broker checks
Replies: 1
Views: 203

mortgage broker checks

Hi I am considering refinancing our home with http://www.gateway-funding.com/Mortgage/Index.aspx the mortgage originator is associated with gateway funding. what are the checks I need to make before proceeding with him ? usually I consult my co-workers but unfortunately no one has worked with him be...
by HelloImAMac
Wed Jul 04, 2012 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing using Gateway Funding
Replies: 0
Views: 217

Refinancing using Gateway Funding

Hi
has anyone used Gateway funding for funding a home purchase or for refinancing ? any feedback is appreciated
http://www.gateway-funding.com/Mortgage/Index.aspx


thanks
by HelloImAMac
Wed Jun 06, 2012 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Married couple (33) with children
Replies: 20
Views: 1649

Re: Portfolio Advice - Married couple (33) with children

What are the expense ratios of the funds offered in the 401ks? What are the Vanguard mid cap and small cap funds offered in the 401ks, and their expense ratios? What % of the overall portfolio is in his 401k? In her 401k? In his Roth IRA? In her Roth IRA? I updated the 401K and Roth details, thank ...
by HelloImAMac
Tue Jun 05, 2012 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Married couple (33) with children
Replies: 20
Views: 1649

Re: Portfolio Advice - Married couple (33) with children

You can contribute $17,000 each to your 401k's this year. Looks like you have good 401k choices -- do you mean by the above that you both work for the same employer and therefore have identical 401k choices? Yes we happen to work for the same company I think it's unlikely that you are in the 25% br...
by HelloImAMac
Tue Jun 05, 2012 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Married couple (33) with children
Replies: 20
Views: 1649

Re: Portfolio Advice - Married couple (33) with children

I added more information about what was requested about 401 K and available funds etc. I also took out the emergency cash out the equation I am looking for general advice towards portfolio re balancing so we can take more advantage of our years of work to come. Should i move in bulk to stock based f...
by HelloImAMac
Tue Jun 05, 2012 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Married couple (33) with children
Replies: 20
Views: 1649

Portfolio Advice - Married couple (33) with children

Before i post and ask for advice, I must say this is a wonderful resource and the people here are genuine- so Thank You ! I am married. both my wife and i are 33 years old and we have 2 wonderful children (first is age 3.5 and other is 8 months old). we have 529 plans started for both. Tax Status - ...

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