Search found 252 matches

by Momus
Mon Feb 19, 2018 2:28 am
Forum: Investing - Help with Personal Investments
Topic: Late 20's female looking for some advice towards financial independence
Replies: 31
Views: 3764

Re: Late 20's female looking for some advice towards financial independence

Definitely first thing that comes to mind is find a room mate... That will half your housing cost.
by Momus
Sat Feb 17, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5786

Re: Effect of spending money on appearance in career

There are so many research good looking people get promoted or rise to leadership position more often than the ugly counterpart... I'd do it if I were you. This is a no brainer move. You need to look presentable, not just women, men too.
by Momus
Fri Feb 16, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10797

Re: I'm Cancelling My Home Insurance

Op must have read too much mmm
by Momus
Tue Jan 30, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 450
Views: 35529

Re: What frugal thing did you do today?

Skip the soda at In&Out... Skip soda on a lot of fast food joints, and ask for a cup of water XD
by Momus
Tue Jan 30, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 64
Views: 5545

Re: Should I Do My Own Taxes Or Pay A CPA $500?

Thanks for the responses on which Turbotax to get. I'll go for the desktop/download version rather than the online one. Desktop because you can switch to forms back and forth, no hassle. No form mode in Online Version. Desktop because you can pass along the CD to your friends, coworkers, and a lot ...
by Momus
Sat Jan 27, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6858

Re: Wisdom of Bitcoin

There is no scarcity if there is a new crypto just the same if not better than bitcoin every month...

It's like picking the right stock out of 1500 Cryptos at dot.com bubble. 99% is worthless.
by Momus
Sun Jan 21, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2737

Re: what is the best mouse poison?

Use The Better Mousetrap. It's really better than a regular crappy wooden metal trap... Buy 6-12 and set it all at the corners and walls where mice run. Mine never fails to catch them in a day or two.
by Momus
Sun Jan 07, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: newbie help: how to invest a 200k windfall
Replies: 12
Views: 990

Re: newbie help: how to invest a 200k windfall

How about paying off the mortgage and use the new cash flow to invest? Especially, if you feel we are at the "peak" of the market...
by Momus
Tue Dec 26, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: What computer should I get?
Replies: 36
Views: 3322

Re: What computer should I get?

Any laptop (with hdmi hookup), or desktop i5, 8GB RAM, and 250GB SSD at least will last you 10 yrs for just office task.... Until Windows 10 become obsolete. Anything more is just gravy.
by Momus
Tue Dec 26, 2017 4:48 am
Forum: Investing - Help with Personal Investments
Topic: $60,000 unrealized loss in '17 that I don't need
Replies: 30
Views: 3896

Re: $60,000 unrealized loss in '17 that I don't need

Maybe I'm missing something here, but I don't see it. Your offsets don't offset unless you realize your gains. Ideally, you harvest your losses but defer your gains. Then use the carryover losses to offset other income and use the tax savings to invest. It's true IMO that this isn't applicable in a...
by Momus
Tue Dec 26, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: Which cell phone to buy--need good camera?
Replies: 32
Views: 2398

Re: Which cell phone to buy--need good camera?

LG G6 $300 on Ebay. Avoid Apple devices over 2 years like a plague like always, their device is sh1t after 2 years because they throttle your phone to crap because they want to "save" battery (read: give them more money so you can buy a new iRipoff). Oh, they just got hit with a lawsuit LMAO... http...
by Momus
Mon Dec 25, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Holding cash while researching investment manager
Replies: 51
Views: 2680

Re: Holding cash while researching investment manager

Momus wrote:
Mon Dec 25, 2017 4:31 pm
OP is so about to get ripped off by an investment manager... He should listen to the recommendation NOT to hire an investment manager.
Oh, I just saw that last post by OP. He already got scammed by his investment manager :( Live and learn.
by Momus
Mon Dec 25, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Holding cash while researching investment manager
Replies: 51
Views: 2680

Re: Holding cash while researching investment manager

OP is so about to get ripped off by an investment manager... He should listen to the recommendation NOT to hire an investment manager.
by Momus
Tue Dec 19, 2017 2:22 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6300

Re: How do Bogleheads save on eyeglasses?

Online $10-50 each, plenty of websites and choices... All reputable. Don't get rip off buying from the stores paying 10x the amount...
by Momus
Sun Dec 17, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 17162

Re: What to do after losing $117k in stock market?

You sound like me back when I blew thousand of dollars to lose it in picking stocks and at the same time, eat bean and rice, ramen noodle, couponing and buy stuff on sale only to cut cost. Image nice apartments, vacations, going out, eating out and lobster/steak everyday you can have with that tradi...
by Momus
Wed Dec 13, 2017 4:08 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 17162

Re: What to do after losing $117k in stock market?

Op I did lost some money trading in the past too. I started making way more money than what I had I lost previously when I start indexing. It's way easier to make money thru indexing. Buy and forget it... The sooner you have come to realization you can't gamble your way to win back the money you hav...
by Momus
Sun Dec 10, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17345

Re: Save all this money, what do you splurge on?

For us it is a couple of things 1) High-end spec gaming computers. I just purchased my husband a new one, and I'll get his old one. We keep them around 8 years each, but we spend at least a couple of hours a day during the week and a bit more on the weekend. 2) Cars - we both have late model cars. ...
by Momus
Sun Dec 10, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall of 1.5 millions
Replies: 10
Views: 2288

Re: Windfall of 1.5 millions

If you live in silicon Valley, $1.5M doesn't go far. Start looking at houses there, maybe you want to stay longer there without paying rent. If you decide to invest it with less risk, 50/50 is appropriate. 1% savings account just doesn't cut it nowadays. You can open up multiple of 250k 5 yrs CD at ...
by Momus
Thu Dec 07, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 7378

Re: Bitcoin now the largest quantifiable bubble in history?

I don't believe everyone has it. US has low interest in bitcoin. Check Google trends and type in bitcoin. We are like number 10-15th country that search "bitcoin" in Google. This can go up 4x more once US mom and pop started buying. All the trades are basically FOMO trades. It's gonna be the greates...
by Momus
Wed Dec 06, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8936

Re: Want to sell my Bitcoin, but when?

Sell $7700 worth, get 10% profit. Keep the remaining bitcoin, maybe it will bust to $1000 again and maybe it will soar to infinity... Keep it as an experiment or not... sell it all...

Either way, you get your principal back and get to "play" with it.
by Momus
Mon Dec 04, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: Auto Insurance -Drop Full Coverage?
Replies: 13
Views: 1401

Re: Auto Insurance -Drop Full Coverage?

Yes, liability for $90/6 months means you only get state minimum coverage, what is it nowadays 15k mandatory for bodily injury coverage only in CA? That's like a joke. Hit someone and you will be liable for $100k-300k in bodily injury. Had this happen to my friend, she rear ended someone gently 100k...
by Momus
Sat Dec 02, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 7188

Re: How to convince DW that high miles used car is OK

reggiesimpson wrote:
Sat Dec 02, 2017 8:39 pm
I have owned 2 cars whose brake lines failed under 150,000 miles. Its a serious shock to put your foot on the brake and it hits the floor as you keep going! Unless you like the feeling of your stomach moving up your throat its not worth the "thrill".
How to prevent this from happening?
by Momus
Fri Dec 01, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 11324

Re: Price of haircut?

0, just look up youtube how to cut your own.
by Momus
Thu Nov 30, 2017 2:20 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5720

Re: How Do You Stay Current With Popular Music?

I download the top 100 billboard every six months, listen to it for the next 6 months, and delete songs I don't like.
by Momus
Sun Nov 26, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club and Other Goals Reached!
Replies: 19
Views: 4121

Re: 2 Comma Club and Other Goals Reached!

If you make 400k/yr and don't have 2M at least in portfolio after a while, there is something wrong with you lmao...

I'm sure you will triple that NW easily in the next 15 yrs. Grats on the first milestone.
by Momus
Wed Nov 22, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1564

Re: FIOS contract up - Price Increase

A simple name change may not qualify as a "new customer" as the service is being billed to the same address. I'm not talking about changing the name. My wife cancels on 12/15/17. I setup service in my name 12/16/17. This works with me and comcast every 2 years. Only I don't have a wife. My mom live...
by Momus
Wed Nov 22, 2017 2:35 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 77
Views: 6122

Re: Best Basic DESKTOP?

I've been buying Dell Desktops for years. My last purchase didn't feel as good. I get the impression that Dell isn't what it used to be. Therefore, in preparation for my next Desktop purchase, can you recommend any good companies? I like the idea of getting an Apple because I won't have to worry so...
by Momus
Fri Nov 10, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10307

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I have been doing this for at least 7 yrs. No big deal.
by Momus
Wed Nov 08, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 2046

Re: Best strategy for selling cell phone on Ebay?

I sell on CL, swappa and ebay. I always get pretty much top dollar unless I want something sold quickly and I give some discount. I have never been scammed on ebay. I'm not a power seller but I have sold over 120 items at eBay, roughly half of them electronics: 50+inch TV/phones/tablets/laptop. Gaz...
by Momus
Wed Nov 08, 2017 4:07 am
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 3235

Re: When did you start investing in taxable accounts?

A month after college graduation. Made many mistake until I stumble upon indexing.
by Momus
Wed Nov 08, 2017 4:01 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 2046

Re: Best strategy for selling cell phone on Ebay?

I sell on CL, swappa and ebay. I always get pretty much top dollar unless I want something sold quickly and I give some discount. I have never been scammed on ebay. I'm not a power seller but I have sold over 120 items at eBay, roughly half of them electronics: 50+inch TV/phones/tablets/laptop. Gaze...
by Momus
Wed Nov 08, 2017 3:16 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 3304

Re: Business Laptop Suggestions Request

This is pretty much the perfect all around non gaming laptop deal for now... 8th generation quad core with 8 threads! 256GB SSD, 8GB RAM, 1080p screen for $520
... No way you can beat the specs for the price.

https://slickdeals.net/share/android_app/fp/332467
by Momus
Wed Nov 08, 2017 3:06 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 14364

Re: How old are you and how much do you save for retirement a year

33 yo single. 140k gross in CA. I save about 70k/yr to portfolio. Currently total portfolio including 401k is around 1.1-1.2M.
by Momus
Mon Nov 06, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 12420

Re: Got an iPhoneX

https://www.facebook.com/ign/videos/10155331007491633/

The last man hair line standing in line is awesome. Stupid top bezel.
by Momus
Sun Nov 05, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37476

Re: To take or not to take delivery of Tesla 3

No because the self driving part is still a gimmick feature. Wait another 5 yrs at least until this technology is perfected.

The range is also not good. 310 is lacking...

My gas guzzling car can still take me A to B just fine with 450-500 highway miles on a single tank.
by Momus
Fri Nov 03, 2017 1:24 am
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 33
Views: 3438

Re: $500 Windows Laptop

This was readily available today at Walmart for $500 (and it was new) HP Omen 15.6" Laptop Intel Core Core i7-7700HQ Processor 15.6" 1920x1080 IPS Display 1TB Hard Drive 12GB DDR4 Memory NVIDIA GeForce GTX 1050Ti 4GB Graphics 1x HDMI 2x USB 3.1 Gen 1 1x USB 2.0 https://slickdeals.net/f/10725387-sel...
by Momus
Thu Nov 02, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9984

Re: I'm fairly young but done with saving money

You can save 25% and still left with a lot of money to spend... 25% savings rate is pretty great. I'm sure right now you are saving around 40-60%. I'm in the same boat as you I'm 33 yr old single male with 140k income/yr at 1.6-1.7M networth and I'm over savings and thinking of spending a little.
by Momus
Thu Nov 02, 2017 2:47 am
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1639

Re: Cheap low speed unlimited data

ncbill wrote:
Wed Nov 01, 2017 2:02 pm
plenty of people reselling hotspots on ebay

which are signed up on someone's plan for unlimited verizon 3G (only around 1MBps) for $5/month.

i have one for backup/travel.
How does this work?
by Momus
Mon Oct 30, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 8278

Re: Is it difficult to switch from an iPhone to an Android?

Iphone sucks. Customization is limited. Hardware is subpar. Technology is about 2 yrs behind flagship Android. Options to do stuff isn't supported. Basic stuff like sharing/exporting files to many program is just not supported. One button only lmao... Yea, I won't buy apple anytime soon. The proble...
by Momus
Sun Oct 29, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 28625

Re: Iphone X is $1000

CyclingDuo wrote:
Sun Oct 29, 2017 11:00 am
hicabob wrote:
Fri Oct 27, 2017 10:36 am
The pre-orders sold out in a few minutes this AM.
Won't that just upset all the naysayers that have posted on this thread?

:sharebeer
Not really, there is always a sucker born everyday.
by Momus
Sun Oct 29, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 8278

Re: Is it difficult to switch from an iPhone to an Android?

Iphone sucks. Customization is limited. Hardware is subpar. Technology is about 2 yrs behind flagship Android. Options to do stuff isn't supported. Basic stuff like sharing/exporting files to many program is just not supported. One button only lmao... Yea, I won't buy apple anytime soon. The problem...
by Momus
Fri Oct 27, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 5115

Re: Experian Dark Web scan

You don't even have to go to dark web to find all your past addresses and your name just listed wide in the open... https://www.usphonebook.com I entered a bunch of phone numbers and found about half of them incorrect. If that is the information the dark web has, then there is not much to be afraid...
by Momus
Wed Oct 25, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime customers can now give Amazon access to their home
Replies: 53
Views: 4970

Re: Amazon Prime customers can now give Amazon access to their home

I'm not buying some $250 special lock so they can break into the house. Give it for me free then I might just use the service.
by Momus
Tue Oct 24, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 5115

Re: Experian Dark Web scan

You don't even have to go to dark web to find all your past addresses and your name just listed wide in the open... https://www.usphonebook.com I entered a bunch of phone numbers and found about half of them incorrect. If that is the information the dark web has, then there is not much to be afraid...
by Momus
Tue Oct 24, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 5115

Re: Experian Dark Web scan

You don't even have to go to dark web to find all your past addresses and your name just listed wide in the open...

https://www.usphonebook.com
by Momus
Tue Oct 24, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 9041

Re: Building very high net worth

Then, there are also hundreds youtubers/Instagramers that pull 7 figure/yr. A few select 8 figures... But, there are thousands and thousands that pull 6 figure incomes.
by Momus
Wed Oct 18, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1664

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

https://slickdeals.net/share/android_app/t/10587872

$900 GTX 1080 16GB ram, will handle any game you throw at it at max settings.

Keep looking into slickdeals.net, the deal comes up once in a while and you can't never beat the price.
by Momus
Sun Oct 15, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 8335

Re: What are you driving? And would you buy your current ride again?

Accord 08 150k miles, absolutely will buy Accord 2018 if I'm in the market again but I plan to keep this one til 2028. No problem so far, just following regular oil change at 5-10k inverval depending on my mood, and 30, 60, 100k maintenence schedule. By then, I'll get electric car without steering w...
by Momus
Fri Oct 13, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 44
Views: 5739

Re: Anyone used Zelle?

Just waiting until ally starts rolling out Zelle... I always like online pay like PayPal, venmo, FB messanger, and pop money. I use them all.
by Momus
Thu Oct 12, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 4266

Re: Antivirus Software Recommendations

360, it uses multiple engine detection: Avira and Bitdefender. It has more detection rate than most anti virus out there.

Fyi: I previously use Avast, but switched to total security 360. More protection.