Bogleheads.org

NYGiantsFan

Look into opening brokerage account (Fidelity/Schwab etc) for business which will increase number of options that you have. What options exactly? Not looking to buy into index funds, stocks or bonds. The primary goal is keeping principal while not eroding to inflation. So very little, if non-exista...

NYGiantsFan

Look into opening brokerage account (Fidelity/Schwab etc) for business which will increase number of options that you have.

NYGiantsFan

There was article in WSJ recently regarding China using this technology bypassing normal laws that prohibits quick adoption in US.
https://www.wsj.com/articles/china-unha ... 1516562360

NYGiantsFan

You can get "retired" XEON servers from eBay for about 200 with minimum 500 GB hard drive and 8 to 12 GB memory. They are quad processors workhorse.

NYGiantsFan

So... just how much background, general personal ID info is contained in those chips? Chip provides encryption of credit card data (Doesn't store personal details). Data is encrypted using Key/Value pair and decrypted at Credit Card Company end. This additional security layer prevents hacking of da...

NYGiantsFan

I have always found plenty of ATMs, and use (2) credit and (2) ATM cards... no fees in last 30 yrs traveling / living as expat in SE Asia. I make it a point to keep integrated in local culture than to use ‘western hotels / food / tourist things’. I keep very little cash on hand If I have to book lo...

NYGiantsFan

Young family member is planning to travel Southeast Asian countries (Vietnam, Hong Kong, Malaysia etc) for six weeks as an independent traveler with a friend. What's the recommendation for taking/handling cash? He will be carrying Mastercard credit card (Barclays World) with no foreign transaction f...

NYGiantsFan

My wife and I are planning to buy a home in the next several (let's say 1-4) years, planning to put 20% down. My FICO is quite good (850 per freecreditscore.com which is owned by Experian), but hers is around 712 (she is dinged for (i) credit history length as she only came to this country for grad...

NYGiantsFan

Couple of points from experience dealing with older family member. 1) Prepare list of accounts. Memory tends to fade as person ages. 2) Consolidate to one or two accounts. It will be easier for everyone to keep track of it. 3) Talk to your mom about what do with money later on. Even though, she may ...

NYGiantsFan

My experience was that it was profitable, but not enough to justify the headaches. I think the biggest mistake people make is thinking it just sort of runs on autopilot and you get automatic income like a dividend without any work. If you have a demanding job where you work late hours, I would reco...

NYGiantsFan

Bogleheads: Hi, Can anyone give a ballpark figure (with whatever qualifications necessary to make the figure mean something -- like contracting all repair work out) as the actual profit one can expect from a rental? Perhaps as a fraction of the current-market value of the house? If I rent out a 200...

NYGiantsFan

Couple of additional points. -Buy property only in A or A- area. Don't ever buy property in C area. You may get great cap rate with C area but you may get great headache with that. When market improves, A area property will bring you great returns. -Visit properties when you are in the area (even dr...

NYGiantsFan

I still remember reading a book about landlording, years ago, in which the writer said that one thing she did when evaluating prospective tenants was to look at the inside of their car. She didn't place much emphasis on whether it was a recent-model car or an old car, but she wanted to see how the ...

NYGiantsFan

We will be in Pittsburgh during September long weekend (Friday till Monday). Any suggestions on trip ideas outside Pittsburgh city? We have already done site seeing within City earlier. So, we prefer to explore surrounding region. Everyone in the group is adult (no kids). We prefer not to drive more...

NYGiantsFan

Offer to pay 1/2 to one month rent as courtesy and establish move-out date. This is the best way to handle eviction. Cost of eviction including lawyer fee, court fee, unpaid rent can reach several thousand dollars and you may be responsible for cleaning the place after they leave as they have no mot...

NYGiantsFan

An old article you may want to research. (You are already doing Pension plan from the article).
https://www.forbes.com/sites/ashleaebel ... 31317a68be

NYGiantsFan

So far my observation is that housing in west windsor and plainsboro is quite expensive possibly due to school ratings. Places like lawrenceville,east windosr etc are cheaper. Montgomary area has some low prices as well and school ratings are good as well. Any suggestions on good high schools in pr...

NYGiantsFan

Best option would be power-line adapter which will provide decent permanent connectivity.
You can research your options at
https://www.cnet.com/topics/networking/ ... -adapters/

NYGiantsFan

We had zero trust on Wall Street, reputable firms could not borrow money at ANY price, with the exception of Goldman Sachs, Morgan Stanley wound up selling a 20% equity stake to the Japanese. Even Goldman had trouble and paid premium to Buffett to shore it up. Which is cheaper? Premium or Equity? I...

NYGiantsFan

Grt2bOutdoors wrote:We had zero trust on Wall Street, reputable firms could not borrow money at ANY price, with the exception of Goldman Sachs, Morgan Stanley wound up selling a 20% equity stake to the Japanese.

Even Goldman had trouble and paid premium to Buffett to shore it up.

NYGiantsFan

Jacuzzi bathtub. It takes 10 mins. to fill up and no one in the family wants to wait that long. Formal dining table and china cabinets We never used that for formal dining. It ended up becoming study table for our son. Dish washer Spouse doesn't like to collect dirty dishes and doesn't want to run ...

NYGiantsFan

Your kid might take AP classes and can/may finish school in 3 to 3 1/2 years. So even with 60k school, you are funded well. I would continue for younger one as other suggested till you reach 200k and move contribution to other form of investment (taxable etc.)

NYGiantsFan

Views from parent whose kid is living off campus for almost a year with car. -Bike is necessary (except winter) mode of transportation on campus. -Car is mainly being used for grocery, restaurants and gym. -Include cost of parking in your calculation. We are paying $90/month. -Don't buy really old/c...

NYGiantsFan

Congratulations.
Paid off house may be a lawsuit magnate. Put maximum line of credit on it.

NYGiantsFan

Simple solution may be getting decent powerline adapter. It is just plug & play.
https://www.amazon.com/TP-Link-Powerlin ... apter&th=1

NYGiantsFan

You have indicated that you don't want rental but you may want to look at Hertz Rent2Buy program. Hertz has Camry as one of their primary vehicle and you should be able to get decent choice. We went through similar issue early last year for our son and ended up purchasing Camry SE from Hertz. Discou...

NYGiantsFan

She must have failed to apply. She is driving the boat on this one, her parents are out of their league here. Me too actually- it's been awhile and i didn't apply for financial aid back then. This was a long shot (although not surprising given her academic record) and we are still reeling from the ...

NYGiantsFan

Also, you can review lease from local apartment complexes in your state. That will give more details on what should lease contain compare to lawyer or online. Many time lawyer also make lease from their templates and may not cover everything that you want.

NYGiantsFan

I current work for a MegaCorp making enough income to fully fund my 401k as well both my and my wife's ROTH as well as a small amount of taxable savings (most extra income is currently working to pay down debt). My wife will be finishing school at the end of the year and is in the process of gettin...

NYGiantsFan

If it is only home use, get desktop with 2 monitors. If you are comfortable buying used one, check eBay for XEON based desktop (essentially these are servers). XEON is equivalent to i7 in performance and price for used XEON is much cheaper than used i7 chips. You can get incredible rig for around 20...

NYGiantsFan

So with the kids driving their own cars, my first question is why do you think you need an SUV? If you're a contractor moving equipment all the time, I'd think you'd own a work truck and utility trailer. If you're just worried that you can't move 2x4's from Home Depot, rent their truck or buy a che...

NYGiantsFan

Spouse's Honda Odyssey died last week due to transmission issues (Around 203k miles) and we are in the market for new SUV. Kids are driving their own cars and we aren't considering minivans anymore. We are only considering Japanese SUVs. If it helps, other cars are Accord and Camry . We test drove a...

NYGiantsFan

Pick up the phone and talk to them. I have been into similar situations earlier. It is better that you talk and sort out the move out date. Best thing is to do as follow. 1) Finalize the move out date 2) Make sure apartment/condo is clean 3) You will need to repaint it. If they can provide you early...

NYGiantsFan

Family members are in gas station business. Avg. margin is 7 to 10 cents/gallon. Money is in associated store and real money is car wash. How's the weather in this particular area? If it is warm year around, car wash can generate 7 figure + easily and margins are around 40 to 60% net on car wash bus...

NYGiantsFan

Is it hosted software or deployed at the client's location? If it is hosted, will client pay monthly fee in addition to support fee? Who will own intellectual property of software? I assume you want to if you want to sell it to others. Regarding support, use email address instead of phone support. ...

NYGiantsFan

Is it hosted software or deployed at the client's location? If it is hosted, will client pay monthly fee in addition to support fee? Who will own intellectual property of software? I assume you want to if you want to sell it to others. Regarding support, use email address instead of phone support. Y...

NYGiantsFan

We own multiple properties. From experience - Use only antique white (or Navajo White) paint on the wall. - Don't allow tenant to paint. Many properties have wood floors and paint on the floor as well as paint on door knobs etc is nightmare to remove. Only hire professionals to paint. - Don't paint ...

NYGiantsFan

It has happened to our business payroll account. Initial check appeared with old bank name (Bank had changed names 4 - 5 years back) with different branch address than ours and signature not matching to our account. Checks were being deposited to Chase Bank to cash out. I caught first day check when...

NYGiantsFan

7 days may be long for Acadia. You may want to either combine with Nova Scotia Ferry trip or White Mountain (little bit drive).

NYGiantsFan

Interesting read. I had similar experience with a long time tenant who went through divorce (possibly midlife crisis). Husband left and wife wouldn't leave. I had offered money and she wouldn't take it. She left after taking to court. She left lots of stuff behind which I ended up giving free on cra...

NYGiantsFan

criticalmass wrote:
NYGiantsFan wrote:Recently, I had to activate another line with a national provider.
As per their policy, SIM Card is $20. Same SIM card can be bought on Amazon and Best-buy for less than $5.
Which provider?

T-Mobile.

NYGiantsFan

Recently, I had to activate another line with a national provider. As per their policy, SIM Card is $20. Same SIM card can be bought on Amazon and Best-buy for less than $5. Now a days many of new smart phones starts at $20-$25 and at the same time cost of SIM card is same as low end smart phones !!

NYGiantsFan

I have been buying rental for cash many years. I have always received discounts for the properties. Minimum discount has been 10% and largest has been 20%. Main difference is that you indicate 30 days (or 15 days closing). When going through bank, there is no guarantee for 30 days closing. With cash...

NYGiantsFan

Police Sergeant for a large metropolitan PD. With overtime doing approximately $160k. Curious if you live in a HCOL area. My best friend is a captain for a small county (100k residents maybe), head if Swat and always works extra jobs. Probably makes a little more than 1/3 of what you make. The one ...

NYGiantsFan

You guys make PE sound like the worst investment ever. Maybe I am better off putting the money elsewhere. We'll see what shakes out at the meeting. BTW, this is not a local business. It's a very small software company creating groundbreaking stuff. I'm a software guy and I have 15 years experience ...

NYGiantsFan

My young one (high school junior) has complained to my significant other that I am acting like as boss in the home.
I manage large team at work. Some of my habits may have come due to work and may have become second nature.
Has any one experienced something similar? How do avoid it?

NYGiantsFan

I stopped complaining about my commute when co-worker told me that he is commuting from Poconos, PA to Manhattan everyday.

http://martztrailways.com/departures-from-new-york/

Look up Wall St to Poconos, PA commute time

NYGiantsFan

My wife saves money by wearing the clothes her 14 year old has out grown. She's been doing it a couple of years now. I don't understand why she does that. It confusing to me when I see a cute lady and feel attracted but then I recognize the clothes and suddenly assume it's my son and it's really ju...

NYGiantsFan

You may want to look at adding bathroom to the bedroom. We did it in 2006. Cost was about $100/SQ FT to add 2 bedrooms on the top of the existing garage and living room. We also added bathroom (which bumped up the cost to around $120/SQ FT as we did high end bathroom). As others suggested, you will ...

NYGiantsFan

Definitely solo 401k. You can make a greater contributions on lower incomes with a solo 401k. Thanks for the insight. Is it possible to open more than one solo 401k? I have 2 separate corporations (1 S and 1 LLC). In LLC, we have SEP IRA set up but considering better contribution ratio, I am thinki...

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